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State Library 



OF 



MASSACHUSETTS 



B. 



Return as Soon as Used. 






PUBLIC DOCUMENT .... .... No. 9. 



FORTIETH ANNUAL REPORT 



OF THE 



Insurance Commissioner 



or THE 



Commonforalllj ai lllasimjjttsttts. 



January 1, 1895. 



PABT II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1895. 



STATE LIBERT 01 TTS, 

llll 1895 



Digitized by the Internet Archive 
in 2013 



http://archive.org/details/fortiethmassachusOOmass 



ft 




TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, . v 

Companies admitted, v 

Companies withdrawn, v 

Protection Principle in Cases of Lapse, vi 

Form of Annual Statements, vii 

Marking up Real Estate Values through Income, viii 

Uncollected and Deferred Premiums, ix 

The Question of Reserve Basis xii 

The Long-enduring Endowments, xvi 

Finally settled, xvi 

Appendix, xxi 

Suggestions for Legislation, xxiii 

Statistical Tables, Ratios, etc. (Regular Life) : 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., . xxviii 

Table B. —Ratio of Real Estate and other Investments to Gross Assets, . xxx 

Table C. — Disbursements in Detail, xxxiv 

TableD. — Ratio of Expenses to Mean Amount insured, . . . . xxxviii 

Table E. — Claims by Death in 1894, with Ratios, etc., .... xl 

Table F. — Policies issued, terminated and gained in 1894, . . . xlii 

Table G. — Classification of Policies and Insurance in force, . . . xliv 

Table H. — Policies ceased in 1894, with Mode of Termination, . . xlvi 

Table I. — Massachusetts Business, 1894, xlviii 

Table J. — Miscellaneous Insurance Corporations — Accident, Fidelity, 

etc., 1 

Summary of the Business of Assessment Life, Casualty and Frater- 
nal Corporations : 

Table 1. — Assets, Income and Expenditures, liv 

Table 2. — Certificates issued, ceased and in force, with Massachusetts 

Business, Ivi 

Fratkknal Beneficiary Associations: 

TABLE 3 — Title, Location, Officers, lviii 

Table 4. — Income, Expenditures, Assets, Membership, .... lxxiv 



IV TABLE OF CONTENTS. 



DETAILED STATEMENTS. 

Page 

Massachusetts Life Insurance Companies, 1 

Life Insurance Companies of other States, 43 

Accident and Guarantee Companies 213 

Assessment Life and Casualty Companies^ — - . . . i 265 

Fraternal Beneficiary Associations, 311 

List of General Agents, 351 



Cammoittomlllj af ifesacjwsttts. 



Insurance Department, Boston, May 28, 1895. 
To the Honorable the Senate and House of Representatives. 

Herewith, in compliance with the provisions of law, is sub- 
mitted Part II. of the fortieth annual report of this department, 
relating to life and casualty insurance, and containing also 
abstracts of the reports of the assessment and fraternal cor- 
porations. 

As in the case of the fire report, the extraordinary work 
placed upon the department during the year, and the natural 
increase of the business without a comparative enlargement of 
clerical assistance, have delayed the publication of this report 
fully four weeks beyond the usual period. 

The following shows the changes in the list of companies 
transacting business in the Commonwealth during the year : — 

Admitted. 
Guarantors Liability and Indemnity Company of Philadelphia, 
May 24, 1894 ; Prudential Insurance Company of America 
of Newark, N. J., May 31 ; City Trust, Safe Deposit and 
Security Company of Philadelphia, June 12 ; Kansas Mutual 
Life Association of Topeka, Kan., July 9; Phoenix Mutual 
Life of Hartford, Conn., September 17. 

Withdrawn. 

Massachusetts Hospital Life (see last year's report) , February 
10; American Employers' Liability of Newark, N. J., author- 
ity suspended March 26. 

The statistical tables present in detail the operations of the 
several companies during the year ; and, in view of the enforced 



VI REPORT OF THE 

lateness of the presentation of this report, the commissioner 
will attempt no analysis of the figures therein presented. 

Protection Principle in Cases' of Lapse. 

Under the provisions of the Massachusetts statute, first adopted 
as a principle of law by this Commonwealth, the holder of a pol- 
icy, in case of lapse after two annual payments have been made, 
is absolutely protected as to his rights in the reserve belonging 
to such policy. This legal provision attaches only to policies 
of Massachusetts companies. Nearly all the companies of other 
States have voluntarily attached to their policies a modified pro- 
vision of this character, attaching after three annual payments 
have been made. 

With considerable uniformity, however, the holder of a policy 
in such case, in companies other than those of Massachusetts, 
must notify the company within a limited period after lapse 
of any payment, and surrender the policy, in order to secure 
any advantages arising from his contributed reserve. The 
question of a change in this direction was before the Legislat- 
ure during the session of this year, but was somewhat con- 
fused with other propositions, and no action was had. The 
commissioner very strongly urges the introduction of a pro- 
vision of law which shall apply to all companies, making, in 
case of lapse after two or three annual payments, the feature 
of extended insurance or a paid-up policy automatic. The 
holder of such policy has confessedly contributed a certain 
amount of his premiums to the reserve. This belongs abso- 
lutely and unqualifiedly to such policy-holder, and his right 
to a use of the same in some form ought not to be permitted 
for one moment to depend upon any action or notification on 
his part. Practically, the provisions of the Massachusetts law 
— the question of dependence upon two or three annual pre- 
miums being a matter of opinion — ought to be made by the 
provisions of statute applicable to every policy issued to a 
citizen of this Commonwealth. Some self-acting principle in 
regard to the reserve ought to be enforced upon every company. 
If beyond this such corporations see fit to give to the policy- 
holder certain options dependent on his own selection, well 
and good. But the absolute confiscation of the reserve belong- 
ing to any policy, unless the holder thereof in case of lapse is 



INSURANCE COMMISSIONER. VI 1 

sufficiently well informed to notify the company within the 
period designated by the company, ought not to be for one 
moment longer permitted. 

Form of Annual Statements. 
For many years, particularly through the consultations of 
the various commissioners and superintendents in the annual 
convention, strenuous efforts have been made to secure the 
adoption of a uniform blank form for the annual statements 
of the life insurance companies to the several departments. 
Very great progress has been made in this direction, and the 
success therein alone fully justifies the existence of such con- 
vention. But the statutes of the various States differ some- 
what in the requirements of the commissioners in relation to 
the treatment in annual reports of such statements from the 
companies. During the past year the question has been 
seriously raised as to the form of the commissioner's annual 
report, and in one instance the argument earnestly presented 
that these statements from the companies should be published 
in the precise form rendered to the different departments. 
Massachusetts has very little patience with a proposition of 
this character. The various companies have different forms 
and methods of book-keeping, which undoubtedly, even in 
their varied multiplicity, sufficiently serve the purposes of 
the officers of the companies in carrying on their transactions. 
No two of them present their finances in precisely the same 
form and manner. The only possible good purpose of the 
publication by this department of an annual report, giving the 
standing and condition of the various companies, is to afford 
to the insuring public, the great majority of whom are not 
versed in the intricacies or peculiar methods of book-keeping, 
a plain, understandable presentation of the condition of the 
various companies ; to simply present what any or every one 
of these corporations sees fit to make up, would rob the annual 
reports absolutely and entirely of their value to the public. 
The laws of Massachusetts require the commissioner to elicit 
from the companies such information as he deems desirable 
to a clear understanding of their finances and condition, and 
the statute provides further that from such presentation by the 
companies he shall "compute," and in a large degree, in 



Vlll REPORT OF THE 

accordance with specified provisions of law, the net value of 
the policies, determine the liability upon the contracts and 
make " an exhibit of the financial condition and business trans- 
actions of the several companies as disclosed by the examina- 
tions of the same or by their annual statements," " presenting 
abstracts of such statements." No more foolish expenditure 
of money of the Commonwealth could well be conceived than in 
the publication of reports made up thus upon a varying basis, 
if the commissioner were simply to present them as they are 
offered to him from the company, and not to scrutinize, 
analyze, and therefrom to " compute," the actual standing and 
condition of the company. 

Marking up Keal Estate Values through Income. 

Allusion was made in the last annual report to the lack of 
uniformity on the part of the companies in making return of 
the values, in ledger assets, of the property and securities 
originally purchased or which had come into possession through 
foreclosure. 

The blank statement form calls for "cost value," which is 
understood to mean the original purchase price or sum actually 
paid in acquisition of the property. This "cost value" of 
individual parcels of real estate would properly be increased 
by any amounts of cash actually invested in permanent addi- 
tions and improvements made subsequent to the original pur- 
chase, just as additional purchases of bonds and' stocks would 
go to the increase in " cost value " of these items. In no other 
way can the " cost value " of these items be properly increased. 
It would not include ordinary repairs or care of the property, 
as these could belong only in the expense and not in the invest- 
ment account. 

But in several instances this view of the ' 4 cost values " has 
not been taken as the intent of the term, and there has been a 
marking up without any corresponding output of cash in 
increase of the holdings either for additions or permanent 
improvements, but simply as estimated appreciation of former 
values. In order to do this and make the accounts tally and 
balance, it is found necessary to run these added amounts 
through income, but without the slightest claim that it repre- 
sents the incoming of money to the company's till, — as if the 



INSURANCE COMMISSIONER. IX 

income account had not been sufficiently imposed upon and 
stultified by making it an omnibus for masses of hypothetical 
new "cash" premiums in the shape of ''dividends declared 
and applied to payment for reversionary additions," "lapsed 
reserves used to purchase paid-up insurance," etc. ; in each 
case the money simply taken from one pocket (in the mind of 
the book-keeper) and put into the other, without the least 
pretence of an outgo or income as between the money drawer 
and the outside of the office. 

The two performances, of marking up estimated values of 
real estate through income and swapping dividends into 
" cash" premium receipts, are alike in theory and differ only 
in degree of absurdity, the latter having as its basis a certain 
fictitious series of book balances, while the former is pure 
moonshine out of the head of the speculator. Neither can have 
any proper place whatever in a statement of money trans- 
actions, such as the income account of a life company is 
intended to be. 

No one seeks to deny to the companies full credit for any 
dollar of actual appreciation in value of their property, and 
there is a place specially provided for its clear and prominent 
exhibit, — but not in income. The departments have generally 
ruled very liberally in this respect, allowing values of such 
property at the companies' own estimates, except in very rare 
cases, when the claimed values were palpably excessive. 

Nor, as frequently said heretofore, does the commissioner 
desire or intend to teach a company how it shall keep its books 
for its own office purposes ; but he does desire that the state- 
ment made to this department shall be in such form as to be 
understood by ordinary book-keeping intelligence, and in con- 
formity with the uniform blank provided for that purpose. 

Uncollected and Deferred Premiums. 
No little misunderstanding and consequent confusion have 
lately arisen in respect to these items and their proper force 
and effect in the financial statement, through the promulgation 
of a new theory and device for their treatment. For nearly a 
score of years the practice was accepted and settled, so far as 
the returns to the insurance departments are concerned, of 
deducting from these items all loadings beyond the net pre- 



Vlll REPORT OF THE 

accordance with specified provisions of law, the net value of 
the policies, determine the liability upon the contracts and 
make ' ' an exhibit of the financial condition and business trans- 
actions of the several companies as disclosed by the examina- 
tions of the same or by their annual statements," " presenting 
abstracts of such statements." No more foolish expenditure 
of money of the Commonwealth could well be conceived than in 
the publication of reports made up thus upon a varying basis, 
if the commissioner were simply to present them as they are 
offered to him from the company, and not to scrutinize, 
analyze, and therefrom to " compute," the actual standing and 
condition of the company. 

Marking up Real Estate Values through Income. 

Allusion was made in the last annual report to the lack of 
uniformity on the part of the companies in making return of 
the values, in ledger assets, of the property and securities 
originally purchased or which had come into possession through 
foreclosure. 

The blank statement form calls for "cost value," which is 
understood to mean the original purchase price or sum actually 
paid in acquisition of the property. This "cost value" of 
individual parcels of real estate would properly be increased 
by any amounts of cash actually invested in permanent addi- 
tions and improvements made subsequent to the original pur- 
chase, just as additional purchases of bonds and' stocks would 
go to the increase in " cost value " of these items. In no other 
way can the " cost value " of these items be properly increased. 
It would not include ordinary repairs or care of the property, 
as these could belong only in the expense and not in the invest- 
ment account. 

But in several instances this view of the " cost values" has 
not been taken as the intent of the term, and there has been a 
marking up without any corresponding output of cash in 
increase of the holdings either for additions or permanent 
improvements, but simply as estimated appreciation of former 
values. In order to do this and make the accounts tally and 
balance, it is found necessary to run these added amounts 
through income, but without the slightest claim that it repre- 
sents the incoming of money to the company's till, — as if the 



INSURANCE COMMISSIONER. IX 

income account had not been sufficiently imposed upon and 
stultified by making it an omnibus for masses of hypothetical 
new "cash" premiums in the shape of "dividends declared 
and applied to payment for reversionary additions," "lapsed 
reserves used to purchase paid-up insurance," etc. ; in each 
case the money simply taken from one pocket (in the mind of 
the book-keeper) and put into the other, without the least 
pretence of an outgo or income as between the money drawer 
and the outside of the office. 

The two performances, of marking up estimated values of 
real estate through income and swapping dividends into 
"cash" premium receipts, are alike in theory and differ only 
in degree of absurdity, the latter having as its basis a certain 
fictitious series of book balances, while the former is pure 
moonshine out of the head of the speculator. Neither can have 
any proper place whatever in a statement of money trans- 
actions, such as the income account of a life company is 
intended to be. 

No one seeks to deny to the companies full credit for any 
dollar of actual appreciation in value of their property, and 
there is a place specially provided for its clear and prominent 
exhibit,— but not in income. The departments have generally 
ruled very liberally in this respect, allowing values of such 
property at the companies' own estimates, except in very rare 
cases, when the claimed values were palpably excessive. 

Nor, as frequently said heretofore, does the commissioner 
desire or intend to teach a company how it shall keep its books 
for its own office purposes ; but he does desire that the state- 
ment made to this department shall be in such form as to be 
understood by ordinary book-keeping intelligence, and in con- 
formity with the uniform blank provided for that purpose. 

Uncollected and Deferred Premiums. 
No little misunderstanding and consequent confusion have 
lately arisen in respect to these items and their proper force 
and effect in the financial statement, through the promulgation 
of a new theory and device for their treatment. For nearly a 
score of years the practice was accepted and settled, so far as 
the returns to the insurance departments are concerned, of 
deducting from these items all loadings beyond the net pre- 



X REPORT OF THE 

miums called for by the State standard for computation of net 
values. And in this connection the following quotation from 
the thirteenth annual report of this department, made in 1868 
by Commissioner John E. Sanford, is of much interest and 
value for its clear and logical statement of the conditions : — 

Here is a simple question of book-keepiug. We assume that the 
companies return, as the form of statement permits, only those unpaid 
premiums on policies reported as still in force, which fell due during 
the year ending on the day (December 31) which is the date of the 
valuation. We assume, for the same reason, that " deferred pre- 
miums " include only the balances of annual premiums on policies in 
force, the first instalment of which fell due during the year aforesaid ; 
and that, in either case, these premiums or balances, not having been 
collected or received by the company, do not appear elsewhere among 
its assets. 

To decide whether such unpaid and deferred premiums are to be 
credited among the assets, we have only to look at the other side of 
the account, and see what we have charged among the liabilities. 
Now, in making the valuation of policies, we compute the premium 
reserve on all the policies to which these premiums attach (because 
they are "in force"), and, in so doing, we assume that these pre- 
miums have all been actually paid, and charge the company with them 
as actually received, at the beginning of the policy year, — that is, 
at some time prior to the date of the valuation. Having thus, by the 
valuation, made the companies realize these premiums, whether they 
would or not, and having worked them into the sum total of the 
reserve, it would be hard to say that they should not count somewhere 
as assets of the very fairest character as against the reserve. As a 
plain question of balancing accounts, we must either reduce the 
reserve or allow the premiums. It is just as well, and a good deal 
more convenient, to do the latter. It will not do to say that the pre- 
miums may in fact be unpaid, because that involves, in most cases, 
the forfeiture of the policy, which would reduce the reserve in still 
larger measure. 

This unpaid premium, considered by itself, has no claim 
whatever to be regarded as an asset at all. It cannot be nego- 
tiated or used for the purchase of anything, nor in the payment 
of expenses or claims ; and, except in the bare case of the pol- 
icy maturing, when the outstanding or deferred premium would 
go by so much to reduce the amount of the insurance, it is of 
no money value to the company whatever. 



INSURANCE COMMISSIONER. XI 

The unpaid premium due for the current year is no more 
secure to the company than is that for the next or any or every 
subsequent year within the term for which the policy was 
written. It is something in the air, and may or may not 
become part of the actual and realized assets of the company. 
But, considered in connection with the facts upon which the 
statement is made up, it becomes an entirely legitimate and 
proper item,- — that is, as an offset only, to the overcharge 
that has been made in computing the reserve liability on its 
account. In this view and in this only is there any justifica- 
tion whatever in carrying any portion of these outstanding 
premiums as admitted assets. The company has been over- 
charged in the computation of the reserve, upon the assumption 
that the full yearly premium had been paid and received in 
advance. If this is not true, and any portion of the premium 
remained unpaid at date of valuation, the company is clearly 
entitled to have the net portion deducted from the reserve or 
to a credit in assets equal to the overcharge ; and, as the val- 
uation is made on the net premium basis, the credit should be 
for that portion, and that only, of the net premium then remain- 
ing unpaid. 

To arrive at a strictly accurate result, leaving off the loading 
of the gross premiums would perhaps involve an amount of 
detail and labor out of proportion to its average importance 
and seem a refinement ; and in this view, at the time of prep- 
aration of the convention blank form adopted in 1875 and 
since in use, a careful estimate was made by several of the 
actuaries and book-keepers as to the probable average percent- 
age of margin that should be deducted in order to reduce these 
premiums to net rates and save if possible the labor of the 
more minute calculation. It was concluded that, taking as 
the basis what were then known as the " agreed rates," a 
deduction of 20 per cent, from the sum of these uncollected 
and deferred amounts would leave a fair and reasonable approxi- 
mation to the net premiums. For other cases, where the 
gross premiums varied considerably from the usual rates, there 
would need to be special estimates made ; but the understand- 
ing and intention were wholly and only that all these premiums 
were to be reduced to net rates before being entered in the 
statements as assets. 



Xll REPORT OF THE 

i 

Latterly, however, this view has been entirely lost sight of 
or ignored, and these premiums are made to bear a new, 
illogical, inapt and entirely undeserved burden ; and, instead 
of the office for which they are alone fitted and intended, — 
that of a cross entry to correct an overcharge, — they are 
sought to be made the measure and means of meeting some 
hypothetical future expenses. This should not be permitted. 
The net portion of these premiums is appropriated to a partic- 
ular and important purpose, and cannot be removed from it 
without absurdly stultifying the statement. The loading, 
which has been thrown out of the accounts, is free to be treated 
by any theory which may be pleasing to visionaries, and will 
be harmless as long as kept out of the accounts. If the 
company has entered into an obligation in respect to these 
premiums that is to be fulfilled after they are collected, let 
such obligation (if in excess of the loading) appear in liabil- 
ities, where it belongs ; or, if it is considered essential that it 
be used to reduce the assets, let it be deducted from cash or 
some other item, where it would be as appropriate and less 
harmful and disturbing than if taken from the net uncollected 
and deferred premiums, — which, so long as unpaid, are a book- 
keeper's fiction only, and when collected must go intact into 
the reserve, and can by no theory go to expenses or any other 
purpose whatever than protecting the insurance proper. 

This view of the function of the uncollected and deferred 
premiums as related to the assets and liabilities of the com- 
panies has been held in this department from the days when 
the statements of the life companies first began to receive 
systematic and intelligent audit by State authority ; and the 
commissioner sees no present reason for a change of practice in 
respect to it, especially as the different treatment suggested 
partakes of the principles and essence of the gross valuation 
theory, which receives no sanction in the laws of this or any 
other State wherein supervision and audit of the accounts of 
insurance companies are recognized or required. 

The Question of Keserve Basis. 
The somewhat reduced rate of interest during the past few 
years has naturally called attention to the basis of the reserve 
calculations for life insurance companies. While it is true 



INSURANCE COMMISSIONER. Xlll 

that the assets are not to-day earning so large an amount as in 
the past, the net results, even taking into the calculation a pro- 
portion of the office expenditures of the companies as fairly 
chargeable to the care of the assets, have not fallen to the legal 
reserve basis. That there has been a general decline of interest 
rates in this country for the last twenty-five years is evident 
and conceded, but that this decline is now or prospectively 
going on at a pace that must in any future, within the range 
of reasonable apprehension, bring the improvement of money 
in this country to a rate inconsistent with the present general 
standard in use by the States as a measure of the ability of the 
companies to surely meet their present or coming obligations, 
no adequate or sensible reason whatever is given. Even the 
single company which more than a dozen years since advocated 
and adopted for its own business the three per cent, rate, 
presents to the public an amount of interest earnings upon its 
funds nearly double what that rate would produce. A portion 
of this is, to be sure, upon its surplus funds, but probably the 
company would not be willing to admit that its surplus within 
that period has decreased or in any probable contingency is 
likely to do so hereafter. If it is urged that rates may possibly 
in future dwindle to three per cent. , so also it may be claimed that 
they may possibly vanish altogether ; and so it might be urged 
that it would be prudent to disregard any rate of interest, and 
base the premiums on such a theory as would not require any 
gain whatever from that source, and the provision for future 
obligations be based on gold, which should at once be locked 
up in the deep treasuries of Moukden and guarded by dragons. 
The history of finance, not only in this but in European 
countries, shows for a long period of years an alternating scale 
in the interest rate ; and an examination of the figures extend- 
ing over a century affords no fair indication that the pendulum 
has not swung pretty nearly to the verge, and likely to move 
in the opposite direction. Thus far the American companies 
have had a substantial margin, alike in mortality and interest; 
and there appears to the commissioner to be no immediate 
necessity for a radical change. True, the tendency on the 
part of the companies is quite generally in the direction of a 
possible lower rate of interest, and some of the larger com- 
panies have already conformed a portion of their plans upon 



XIV REPORT OF THE 

the basis of a more conservative interest rate than the standard 
this Commonwealth now calls for. There is a universal feeling 
that life insurance costs are too heavy, and result in large 
degree from the enormous expenses of conducting the business. 
While this is regretted by every one, and in no instance more 
than by the officers of the companies, thus far the best ingenuity 
has not suggested a practical remedy. While the companies 
are realizing from their invested funds an average amount of 
interest equal to more than five per cent, upon the reserves, 
and the rate has not sensibly, certainly not essentially, dimin- 
ished for several years, there does not seem any adequate 
reason for going to a rate that shall have the effect to enor- 
mously increase the labor and risk of caring for a great additional 
fund. Nor, if, as appears, there is no apparent reason for 
piling up the additional funds, is it easy to reconcile such a 
demand with the earnest general protest of a year or two ago 
that the rapid increase of these funds should be restricted by 
law as a needless and dangerous menace to the financial and 
public safety. 

The question of interest rates in life insurance values and the 
consequences of raising or lowering them is wholly one of pro- 
duction. For instance, if one should desire to make an invest- 
ment that would produce $1,000 of interest per year, if the 
investment could be made in securities that bear five per cent, 
interest, the investment would need to be $20,000 ; if, how- 
ever, it was found that such securities only could be had as 
were bearing four per cent., $25,000 must be invested ; if only 
three per cent., then $33,333±- would be needed. And when 
it is understood that this in principle is the effect that would be 
had of applying a change of rates to premiums and reserves in 
life insurance matters, it is easy to see the tremendous results 
of such a change. There are, in round figures, say $1,000,- 
000,000 of reserves held by the American life companies at 
this time ; and if the change from present four per cent, to 
three per cent, were to be at once applied to them, it would 
necessitate the increase of this sum by more than a hundred 
million dollars. 

It is not, however, expected to apply this change to the 
reserves accrued from past transactions, but only to future 
contracts. The results would be the same in principle, and 



INSURANCE COMMISSIONER. XV 

require the increase of premiums and reserves from 12 to 18 
per cent, over present rates. And this enormous increase 
upon a business sufficiently burdened with expense cannot be 
justified except by palpable and tangible causes, — - simple 
theories and speculations are insufficient. If, however, the 
present interest conditions must be accepted as final, and it 
becomes evident that stronger reserves must be maintained to 
meet the weakening tendency of interest rates, there seems to 
be no refuge but in adopting higher rates of premiums through 
a lower rate of interest. The agitation of the subject of rates 
of interest has been going on more or less earnestly for many 
years ; but the commissioner sees no reason to change his 
heretofore position that action in this matter should not be 
asked of the Legislature until the companies themselves are 
convinced of its necessity ; that, as they are certainly as well 
informed on the subject as the average legislator or the com- 
missioner, and quite as deeply interested, the initiative should 
come from them. Until the companies are ready to co-operate 
earnestly, the question would be very pertinent, "Why should 
the Legislature require the companies to charge the people 
higher rates of premium than they are willing to sell their 
goods for?" Whenever the companies, and especially our 
Massachusetts companies, generally agree that the time has 
come for the change will be soon enough, even if not necessary 
for years, to ask for legislative interference. 

Should it in the future be found necessary to raise the 
standard of the reserve, it might be desirable, while placing all 
new business after a given date upon, say, a 3 per cent, basis, 
to then require the old business of the companies to be brought 
up to that standard by tenths of a per cent, annually ; that is 
to say, in the year upon which a 3 per cent, basis should be 
established for new business, the old business to be increased 
to 3.90 per cent., the following year to be brought up to 3.80 
per cent., and thus in a period of ten years the entire business, 
without violation to the methods of finances of the companies, 
could be established upon a higher reserve. In truth, the 
amount of the old business which would terminate during each 
one of the ten years of such a period would pretty nearly, if 
not altogether and absolutely, take care of the annual one- 
tenth per cent, increase in the reserve. Or, if desirable to 



XVI REPORT OF THE 

avoid a reconstruction of tables, the same result might prac- 
tically be reached by adding to the total reserve, 1 per cent, or 
less per year ; not, however, to exceed a 3 per cent, valuation 
on the entire business. 

The statute requires that suggestions of the commissioner as 
to legislation be made to the General Court prior to its session 
in January, instead of being included in the annual reports. 
The recommendations of the commissioner for the current year 
will be found in the Appendix to this volume. 

As the Legislature during 1894 enacted a codification of the 
insurance statute so near the close of the session as to include 
all changes made during that year, and the present session 
being now at an end, all insurance legislation will be at once 
published by the department in pamphlet form. Therefore 
none of the laws affecting life insurance are included in this 
volume. 

During the year the affairs of the Home Relief Association 
and the Pioneer Life and Casualty Company, in which in 1891 
Homer Albers, Esq., was receiver, have been closed. 

The Long-enduring Endowments. 
The following summary shows briefly the progress made by 
the receivers since the publication of the last report in winding 
up the affairs of the assessment endowment corporations : — 

Finally Settled. 

Order of the Iron Hall. — Eobert A. Knight, receiver, 

Springfield ; appointed November, 1892. By decree of Supreme 

Judicial Court, May 12, 1894, the receiver was directed to turn 

over all assets of the corporation in his hands to James F. Fai- 

ley, receiver-general of the corporation at Indianapolis, Ind. 

Receiver Knight filed with Receiver Failey proofs of claims of 

8,180 members. Receiver Failey acknowledges receipt from 

Receiver Knight of $253,214.24. Total receipts by Receiver 

Knight, $287,093.53. The Massachusetts receivership has 

been practically closed. 

■ 
Abraham Lincoln Benefit Association. — Thomas Milli- 

gan, receiver, 38 School Street, Boston; appointed July, 1893. 

Under decree of the court a dividend of 76 per cent, was paid 



INSURANCE COMMISSIONER. XV11 

in April, 1895, practically closing the affairs of the corpora- 
tion. 

Royal Assurance League. — William A. Morse, 79 Equi- 
table Building, Boston, and Sherman L. Whipple, 5 Tremont 
Street, Boston, receivers ; appointed by Insolvency Court, Feb- 
ruary, 1892. Dividend of 15 per cent, was paid in July, 1894, 
and the affairs of the corporation are practically closed. 

Mystic Seven. — David E. Gould, receiver, 53 State Street, 
Boston; appointed November, 1891. Dividend of 10 per 
cent, was paid in May, 1894, and this practically closed the 
affairs of the corporation. 

United States Two- Year Benefit Order. — Joseph Ben- 
nett, receiver, 61 Court Street, Boston ; appointed July, 1892. 
Dividend of 53 per cent, was paid in May, 1894, and the affairs 
of the corporation practically closed. 

Order of Equity. — N. Sumner Myrick, receiver, 92 State 
Street, Boston ; appointed July, 1893. Receiver has paid divi- 
dend of 48 per cent., and the affairs of the corporation are 
closed. 

Non-secret Endowment Order. — Willis E. Sibley, re- 
ceiver, 405 Main Street, Worcester ; appointed February, 1893. 
Dividend of 76§ per cent, paid in July, 1894. Affairs of the 
corporation closed. 

Catholic Crusaders of the Holy Cross. —John A. 
Noonan, receiver, 61 Court Street, Boston ; appointed August, 
1893. A dividend of 24 per cent, was paid April 26, 1894, 
and the affairs of the corporation piratically closed. 

Knights and Ladies of Protection. — Charles F. Kit- 
ridge, receiver, 27 School Street, Boston ; appointed Febru- 
ary, 1892. A dividend of 86.91 per cent, has been paid, and 
the affairs of the corporation practically closed. 

People's Favorite Order. — Thomas J. Barry, receiver, 
48 Congress Street, Boston ; appointed March, 1892. A divi- 



XV111 REPORT OF THE 

dend of 51 per cent, was paid in October, 1894, which practi- 
cally closes the affairs of the corporation. 

Pending Settlement, 
Mutual One- Year Benefit Order. — Sherman L. Whipple, 
receiver, 5 Tremont Street, Boston ; appointed February, 1892. 
In addition to a dividend of 33 per cent., paid in January, 
1894, receiver expects at an early day, awaiting settlement of 
claim, to declare a second and final dividend, which, however, 
will probably not be more than 3 per cent. 

Industrial Order of America. — John P. Leahy, receiver, 
31 Pemberton Square, Boston; appointed August, 1892. In 
addition to the dividend of 30 per cent, paid in September, 
1893, the receiver has sufficient amount of funds to pay prob- 
ably, as soon as an unsettled claim is determined, from 15 to 
20 per cent, additional. 

International Fraternal Alliance. — John P. Leahy, 
receiver, 31 Pemberton Square ; appointed June, 1893. There 
will be a small additional dividend, which will shortly be de- 
clared. 

Order of the World. — John R. Baldwin, receiver, City 
Hall, Lynn; appointed December, 1892. There will be a 
dividend of 7J per cent, in class 1 and 22 per cent, in class 2, 
which is now awaiting an order from the court, and will shortly 
be paid. 

United Reserve Fund Associates. — J. F. Haskell, re- 
ceiver, 33 Runels Building, Lowell ; appointed May, 1893. 
Settlement awaits determination of suits against supreme 
officers. Nominal assets about $94,000, which amount will 
undoubtedly be considerably decreased. 

Sons and Daughters of America. — George T. Lincoln, 
receiver, 209 Washington Street, Boston ; appointed December, 
1893. Final dividend of 67 per cent, was paid during 1894. 
A small balance in the hands of receiver was ordered by the 
court to be retained two years, awaiting any possible claim. 



INSURANCE COMMISSIONER. XIX 

Order of the Red Cross. — Samuel K. Hamilton, receiver, 
31 Milk Street, Boston; appointed June, 1893. Settlement 
of the affairs of the corporation are delayed, consequent upon 
the matter of the winding up of the Suffolk Trust Company. 
The dividend, if any, will be trifling. 

Knights and Ladies of Columbia. — Chester A. Eeed, 
receiver, 209 Washington Street, Boston ; appointed Septem- 
ber, 1892. Nothing remains to be concluded in regard to the 
affairs of this corporation except through the adjustment of 
suits still pending against officers thereof. 

American Protective League. — Henry W. Putnam, re- 
ceiver, 85 Devonshire Street, Boston ; appointed November, 
1892. Eeceiver has paid dividend of 30 per cent., amounting 
to about $90,000, and returned one assessment, amounting to 
about $5,000. He has now about $25,000, and will declare 
a final dividend as early as pending suits are finally adjusted 
and adjudication made of judgment of about $1,700 against 
Rev. J. H. Gunning, one of the officers of the corporation. 

Union Endowment. — Henry E. Turner, receiver, 186 
Devonshire Street, Boston; appointed September, 1892. 
Settlement has been delayed by the inability to dispose of 
certain mortgages held by the corporation. Receiver expects 
soon to dispose of these. Fifty-five per cent, was paid in 
July last, and there will be a further dividend of about ten 
per cent. 

Massachusetts Prudential Order. — John Haskell But- 
ler, assignee, Globe Building, Boston. Affairs still waiting 
settlement. About $500 in the hands of assignee. 

Annual Friend. — John C. Burke, receiver, Lowell, 
Mass. ; appointed March, 1892. Receiver has recovered 
judgments against the former officers to the amount of over 
$48,000, but as yet has been able to collect but $2,000 thereof. 
One suit is still pending, involving about $1,000. The closing 
of the affairs of the corporation awaits this judicial determi- 
nation. 



XX REPORT OF THE INSURANCE COMMISSIONER. 

Golden Grail. — Joseph I. Bennett, receiver, 61 Court 
Street, Boston; appointed September, 1891. A partial divi- 
dend of 11 per cent, was paid May 1, 1894. The receiver 
holds securities of doubtful value, upon which he hopes to 
realize sufficient to pay an additional small dividend. 

Friendly Aid Society. — Henry A. Wyman, receiver, 
914 Exchange Building, Boston; appointed September, 1891. 
Dividend of 7 per cent, was paid in August, 1893. Receiver, 
under order of the court, holds balance of $12,500 until 1897, 
pending the expiration of a certain certificate of deposit. 
After that date a very small additional dividend will probably 
be paid. 

Order of JEgis. — Alfred Hemenway, receiver, 5 Tremont 
Street, Boston ; appointed October, 1892. First dividend was 
paid in April, 1894, being in full for general creditors, and 
50 per cent, on claims in class 1, being the reserve fund, 
and 20 per cent, in class 2, being the death benefit fund. 
Receiver holds securities from which he expects to realize a 
sufficient sum to pay an additional and final dividend of from 
10 to 14 per cent, in class 1. 

Golden Lion. — George S. Hale, receiver, 10 Tremont 
Street, Boston; appointed December, 1891. Dividend of 100 
per cent, was paid in October, 1893. Receiver has still in 
hand about $50,000, and a suit is pending against the officers 
to recover for excessive salaries drawn. Later there will be 
an additional dividend. 

Fraternal Associates of America. — Charles P. Gorely, 
receiver, 19 Milk Street, Boston ; appointed November, 1892. 
Some progress has been made in the collection of the amount 
due upon a mortgage, but the affairs of the corporation are not 
yet closed. 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



APPENDIX. 



SUGGESTIONS FOR LEGISLATION. 



Commottfojealijj of Passatlmssiis 



Insurance Department, Boston, Jan. 1, 1895. 

To the Honorable the Senate and House of Representatives in General 

Court assembled. 

In accordance with the provisions of law, herewith is sub- 
mitted such portions of the forthcoming report of the insur- 
ance commissioner as contain suggestions for legislative action. 

Respectfully submitted, 

GEO. S. MERRILL, 

Insurance Commissioner. 



In the revision of the insurance statute last year two typo- 
graphical errors occurred which should be corrected. The 
word ' * fire " in the last paragraph of section 20 should be 
stricken out; and the word "issued" in the standard policy, 
following the restrictions as to camphine, benzine, naphtha, etc., 
should be changed to "used." 

As policies written during the present year for the longest 
term allowed by law will not expire until the year 1900, the 
second " 18 " in the dates given in the standard policy should 
be stricken out and space left blank. 

To harmonize the different provisions of the statute in regard 
to agents and brokers, the word " suitable" should be inserted 
in the second line of the second paragraph of section 93, 
between the words "any" and "person," or the additional 



XXIV REPORT OF THE 

provision made that the commissioner may refuse a broker's 
license to any person already convicted of violation of the in- 
surance statutes. 

The retirement from the department, to accept a much more 
lucrative position, of Deputy Commissioner W. S. Smith, who 
for nearly eighteen years had also filled the position of actuary, 
will necessitate the amending of the statute so as to provide for 
an actuary for this department. 

By an error in the revision of the statute prescribing the 
printing of reports, the number of life reports of this depart- 
ment was accidentally reduced, and the law should be amended 
or additional provision made for one thousand more copies. 

The insurance companies transacting business in Massachu- 
setts pay, in accordance with law, precisely the same form and 
amount of taxes to the Commonwealth as is required of corpo- 
rations of any other character. In addition, when the insurance 
department was established, valuation, license and other fees 
were required of the companies to maintain the cost of carrying 
on the department. Owing to the immense increase of the 
business, far beyond the increase in expenditures to conduct 
the same, these fees have not only paid the entire salaries and 
other expenses of the department, but have returned an ever- 
increasing revenue to the Commonwealth, the excess during 
1894 being thirty-eight thousand six hundred dollars ($38,600). 
The valuation fee has been from time to time decreased, until 
it is now but one-fourth of one per cent, per thousand dollars 
of insurance, and it does not seem, in the nature of the business, 
to be desirable to further decrease any of the fees, but it will 
be admitted that as all these extra demands upon the compa- 
nies were established for the sole purpose of meeting the actual 
expenses of the insurance department, the Commonwealth 
ought not, in any degree of justice, to receive more than is ex- 
pended by the department for its annual cost. The com- 
missioner recommends that, as a matter of entire equity to the 
companies, it be provided that the excess of the agents' fees 
over the actual cost of the department be paid back in a pro- 
portional rate to the companies contributing the same. 

Section 21 of the insurance statute provides that "No oral 
or written misrepresentation made in the negotiation of a con- 
tract or policy of insurance, by the assured or in his behalf, 



INSURANCE COMMISSIONER. XXV 

shall be deemed material or defeat or avoid the policy, or pre- 
vent its attaching, unless such misrepresentation is made with 
actual intent to deceive, or unless the matter misrepresented 
increased the risk of loss" The intent of the Legislature in 
this section is perfectly clear. It was to prevent a corporation 
from setting up a mere technical misrepresentation, which in 
no degree affected the risk or increased the liability of the 
company, as a defence after the policy shall have become due. 
Since the passage of the act some of the companies have put 
into the application a warranty by which the insured warrants 
each and all of the statements in the application to be true. A 
recent decision of the superior court, which is now pending 
upon appeal in the supreme court, to the effect that a warranty 
is not such a misrepresentation as is covered by the above sec- 
tion, practically nullifies the entire provision contained in said 
section, and the same should be at once amended by inserting 
" warranty" therein. 

Attention is called to the suggestion made in the life report 
of last year in relation to the necessity for legislation providing 
for the closing of assessment and fraternal corporations which 
have dwindled in such a degree as to render their further exist- 
ence only a menace to the interests of the public. It was shown 
that altogether nearly one hundred and fifty of these corpora- 
tions have a membership of less than two hundred each, and 
the statute at present makes no provision for the closing of 
their affairs. During the past year there were organized in this 
Commonwealth an additional thirty-five, and four of this class 
of corporations were admitted, making altogether nearly three 
hundred and fifty' now transacting business in Massachusetts. 
No one will contend that there is room for one-half of this 
number to successfully compete for insurance on the lines in 
which they are conducted ; and, in addition to providing for a 
method of closing the weaklings, restrictions should be thrown 
around the organization of such institutions so as to preclude 
the formation of such a large number, very generally intended 
for the benefit of only a few individuals. 

Attention is again called to the necessity of legislation for- 
bidding fire insurance companies from paying losses while an 
investigation is pending in relation to the cause of the fire. 

In accordance with the provisions of law as now existing, 



XXVI 



REPORT OF THE INSURANCE COMMISSIONER. 



domestic insurance companies may appoint agents at then- 
pleasure, these not requiring, as in the case of foreign com- 
panies, a license from the insurance department. No little 
confusion arises in cases of complaints against individuals for 
acting without authority, from the fact that under this condi- 
tion of affairs the department has no knowledge as to who may 
be acting as agents of domestic companies, properly authorized 
by the same. The law should be amended to provide that 
domestic insurance companies shall forward to the department, 
for registry, the names of all agents appointed, and that no 
person shall be authorized to act as such agent until such 
registry shall have been made. 

For six years prior to 1876 the salary of the insurance com- 
missioner was five thousand dollars per year. 

Comparing the year 1875, the last in which the salary was 
five thousand dollars, with 1894, the business of all the life 
insurance companies transacting business in the Commonwealth 
shows the following : — 





1875. 


1894. 


Number of policies in force, .... 
Amount of same, . . . ■ 

Receipts of department, 

Surplus to State over expenditures, 


765,422 

$1,907,000 

39,929 

13,239 


1,790,000 

$4,750,000,000 

68,364 

38,275 



Fire and other insurance have increased in about the same 
proportion. 

The actual assets of all of the companies doing insurance of 
various kinds in Massachusetts amounted last year to thirteen 
hundred millions of dollars ($1,300,000,000), and the com- 
putations of the department in relation to all classes of insur- 
ance reached an aggregate of thirty-six thousand millions of 
dollars ($36,000,000,000) . 

In view of the foregoing statement, and in the light of the 
salaries paid to similar officials in other States, it is modestly 
suggested that the salary of the commissioner of this Common- 
wealth might equitably be increased. 



STATISTICAL TABLES. 



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XXIX 



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XXX 



STATISTICAL TABLES. 



to 
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w 

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co 

H 
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to 









co 


CM 


CO 


1— 1 


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CO 


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m 






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CO 














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w 














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a. 



















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3 




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O 

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CO 

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s 


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fH 
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00 




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a 

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co 

cu 




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CO 


cu 





cc 

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p 


53 


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cd 
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73 

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o> 

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3 

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a 

g 

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CD 

s 



w 



STATISTICAL TABLES, 



XXXI 



t-— 


CM 


o 


CO 


CO 


© 


CO 


CO 


■* 


© 


© 


© 


to 


© 


CO 


© 


00 


CO 


© 


-H 


CN 


CN 


t>^ 


CN 


t>J 


CO 


CN 


CN 


to 


© 


CO 


© 


00 


Oi 


oo 


CN 


Oj 


© 


Oi 


•>* 


© 


© 


CO 


to 


■* 


o 


CO 


CO 


CO 


to 


I-H 


CN 


i-H 


00 


■* 


© 


CO 


CO 


CO 


CO 


© 


CO 


r« 


CO 


lO 


"* 


i-H 


t^ 


tH 


»o 


"* 


f-H 


"tfl 


CN 


t>- 


CN 


© 


t- 


CO 


CO 


to 


•<*! 


to 


CO 


CN 


i-H 


to 


i-H 


-* 


© 


© 


© 


CN 


tO 


co 


© 


© 


00 


f— t 


© 


© 


00 


t>- 


I— 1 


l^ 


CN 


CN 


Oi 


TH 


CO 


© 


© 


-* 


© 


© 


to 


© 


t^ 


t^ 


i-H 


■^< 


H 


"^ 


T^ 


CO 


lO 


fc— 


CO 


^M 


to 


"* 


© 


(N 


t^ 


CN 


CN 


CN 


CO 


t— 


© 










































of 


Otf 


cf 


of 


of 


I-H 


© 


CO 


CN 


CO 


I— t 


CN 


CO 


© 


oo 


CN 


■* 


© 


t^. 


to 


to 


CO 


CO 


co 


lO 


tO 


rH 


TJH 


CO 


co 


Oi 


I-H 


tO 


© 


© 


CO 


© 


t^ 


tH 


t- 


1— 1 


i— < 


t>- 


CO 


■^ 


Tj^ 


CO 


CO 


lr~ 


co 


I-H 


CN 


■<* 


<N 


co 


CO 


to 


co 


CN 


© 












































«* 


of 


t^ 


cf 

CO 


«* 


CO 
CN 


JO 

to 


© 

I-H 


tO 


I-H 
t-H 




tO 


rH 


© 


f-H 


■* 


© 

1— 1 


© 
© 

CO 


CO 

00 

CO 


1^ 


t-H 


lO 


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h- 


o 


i-H 


r>- 


© 


i-H 


!>. 


(N 


© 


OO 


© 


■* 


i-H 


~H 


^ 


CO 


CO 


t-J 


CN 


I— 1 


00 


CO 


t— " 


co 


CN 


CO 


CN 


•-H 


CO 


CO 


© 


CO 


CO 


© 


CO 


I— I 


tH 


CO 


CO 


i-H 


r-H 


CN 


OO 


o 


oo 


CN 


to 


t~l 


© 


oi 




t>l 


CO 


CO 


t^. 


00 




CN 


CM 


Tt< 


CN 


CO 


«5 


i-H 


CN 


CN 


CO 


•* 


CO 


CO 




■* 


CN 




CO 


CO 


o 


-* 


t^ 


I-H 


to 


CO 


I-H 


CO 


t>- 


r-H 


^ 


CO 


© 


© 


© 


© 


© 


© 


00 


© 


lO 


CN 


i— 1 


OS 


I-H 


"* 


CN 


«*■ 


to 


© 


!>. 


oo 


CM 


1— 1 


i-H 


to 


CN 


CO 


r^ 


00 


1— < 


cN, 


"*_ 


©^ 


■<*< 


CO 


00 


CO 


to 


CN 


MS 


t^ 


CN 


© 


CN 


© 


© 


t^ 


CO 


CO 










































1— 1 


CO~ 




CO* 


i-H 


I-H 


Oi 


00 


"* 


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to 


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oo 


CO 


1^ 


© 


to 


CO 


CO 


CO 


i-H 


^ 


00 


t^. 


t-- 


o 


CN 


Oi 


© 


I-H 


CO 


t— 


CN 


to 




rH 


-** 


© 


00 


I-H 




CN^ 


i-H 


CO 


i-H 


co 




to 


© 


CO 


to 


t>» 


© 


CO 




I-H 


© 


^ 


TH 


to 












































CO 


to 


CO 
00 


CN 

I-H 


CO 


© 


». 


t^ 


CN 


© 




•* 


lO 




CO 


r-H 




CN 

CO 


I-H 

© 






to 


t-» 


o 


TH 


t— 


I-H 


t^ 


CO 




© 


to 


t^ 




© 


to 


© 


CO 


10 


tH 


1 


© 


to 


CO 


co 


o 

i-H 


© 

tO 


I-H 


to 


1 


1— 1 
CN 


CO 

»1 


CO 


1 


© 


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00 


to 

CN 


1— 1 


i-H 




tO 


o 


o 


o 


o 


CO 


o 


t~ 




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to 


© 




to 


© 


© 


© 


© 


© 




CN 


o 


o 


Oi 


to 


CO 


o 


CO 




© 


TJH 


© 




»>. 


© 


tO 


© 


© 


© 




tO 


© 


CO 


CN 


CO 


"* 


CN 


CN 




© 


■* 


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^ 


to 


t<^ 


to 


t~~ 


CO 




















1 
























© 


to 


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CO 


00 


to 


CN 


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to 




CO 




i-H 


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co" 


CO 


© 


T« 




CO 


CN 


© 


to 


i-H 


l>. 


CN 


CO 




00 


CN 


i-H 




I-H 


CN 


to 


"*< 


tO 


© 




I— 1 


i— ( 


to 


CO 


i-H 


tO^ 

cf 


I-H 


I-H 




to 


I-H 


f-H 










CO 


eo^ 

i-H 


i-H 

to 

I-H 

8$ 




© 


i— I 


r-H 


rH 


CO 


CO 


I-H 


i-H 


CO 


tO 


© 


CN 


i-H 


© 


CO 


r-H 


00 


CN 


© 


' 


f— 


"* 


t>- 


rH 


t>- 


© 


CO 


00 


•-H 


CO 


I-H 


tO 


t>- 


© 


t^- 


00 


to 


I— 1 


Oi 




to 


CO 


© 


CN 


to 


oi 


f— < 


to 


oi 


to 


to 


t-1 


© 


CO 


CN 




■"CH 


rZ 


© 




CN 


CN 


r— 1 
















I-H 


I-H 


f-H 




I-H 






i-H 


I-H 




O 


■* 


CO 


CN 


I-H 


g; 


Oi 


i-H 


CO 


r-H 


© 


t^ 


t^ 


tH 


tH 


© 


CO 


T* 


© 




CO 


o 


CO 


CO 


CN 


t-1 


CO 


to 


© 


to 


CO 


I-H 


tO 


00 


© 


© 


•* 


10 


l>- 




to 


© 


t^. 


CO 




Tf 


^ 


© 


© 


t^ 


© 


to 




rH 


©_ 


© 


oo^ 


Oi^ 


°i 


1 










































t-- 


CO 


I— 1 


CO 


CO 


to 


CO 


© 


© 


tO 


© 


■*t> 


■* 


t^ 


oo" 


t-T 


ocf 


t^r 


to" 




CN 


00 


© 


to 


CO 


t~» 


00 


CO 


CO 


>* 


to 


00 


© 


t^ 


CO 


tO 


© 


CN 


CO 




tO 


oo 


CO 


CO 


CO 


CO 


r— I 


TJH 


© 


"* 


CN 


CN 


to 


CO 


00 




© 


© 


00^ 












































CO 


lO 


1—1 
CN 


1— 1 




I-H 


I-H 


!—t 




I-H 




CN 


I-H 










©" 

I-H 
f-H 


Tff 


CO 


CO 


i-H 


rjH 


o 


<N 


1— 1 


CO 


CO 


co 


oo 


00 


© 


© 


i-H 


CO 


© 


o 





© 


CN 


tO 


© 


oo 


CO 


t^ 


1^ 




lO 


CO 


00 


t^. 


I-H 


CO 


t^ 


t>. 


© 


l~^» 


© 


CN 


t^ 


CO 


CO 


1—1 


CO 


to 


t^ 


I-H 


■* 


© 


© 


CO 


oo 


© 


00^ 


co^ 


I-H 


CN 


l>. 


Th 










































^H 


to 


l^ 


rH 


CO 


CO 


1-^ 


CO 


to 


T* 


© 


© 


I-H 


of 


Gi 


of 


of 


co 


-hT 


i>r 


to 


OS 


1^ 


© 


lO 


•^ 


i-H 


to 


to 


co 


>* 


to 


tH 


t^. 


to 


© 


© 


© 


CN 


CN 


CM 


CO 


CN 


rh 


CO 


o 


o 


CN 


t>- 


CN 


© 


© 


© 


CO 


lO^ 


lO 


o 


CN 


CO 


CN^ 












































CO 


CN 


CN 


lO 


I-H 


CN 


CO 


•«*< 


© 


t^ 


1— I 


CO 


Tfl 


of 


CO 


h-T 


cf 


cT 


co" 




I-H 


CN 


o 

CN 


to 


l-H 


CO 


!>• 


CN 


i-H 


CN 






r-H 








I-H 


© 
© 


to 
co^ 






























































V s 
















of 
























co 
















CD 




• 


' 


• 


• 


• 




• 


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• 


• 


3 
s_ 

EH 


• 


* 


• 


• 


• 


• 


• 


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03 
CO 


• 


• 


• 


. 


. 


• 


• 


. 


s 

■♦J 


• 


. 


t3 

3 


to 














u 

CD 




3 




3 

p 

+H 
CD 

s 




cu 






c 


"e8 

3 

3 
3 
CD 

Ph 


'3 

3 


e3 

a 


03 






"3 


"3 


CO 




r3 



«H 


CO 

03 




"3 

OQ 

o3 

CO 

3 

M 


c3 

3 

.3 

c 

03 

8 


'3 
3 

3 


s 

cu 

w 

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3 
3 

a 


*3 

a 
o 

+3 
oj 


o 


$H 
CD 

CO 

cu 

o 


3 
M 

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8 


3 

3 

CD 

o 

(H 

Ph 


-1-3 

3 

CD 

12 
V 
o 

Ph 


[3 

3 

CD 

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3 
— 

Ph 


CO 
CD 

> 

c3 


3 
CD 

u 

c 
o 

3 


3 
3 

3 

o 
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CD 

♦J 
33 

CO 

^) 

CD 

3 


3" 


-t-a 

oc 

3 

s 

CO 

03 




CO 

"3 

H 


4^ 

3 
03 





XXX11 



STATISTICAL TABLES, 



T3 
O 

o 
O 



P5 

1-3 







. 




cs 


CO 


t» 


ira 


r— 


CO 




CO 


CO 


o 


00 


CS 


o 






■3 




1—1 


OS 


o 


OS 


OS 


CO 




TH 


rH 


CO 


CM 


oo 


i—l 


to 

H 








I— 1 


1—1 


CM 






1—1 




r-> 


CM 


i-H 






i-H 


CO 




s-, 






























m 




Ph 




































CO 


OS 


CO 


rH 


o 


^H 




CO 


-* 


co 


o 


o 


t^ 








CO 


CO 


CM 


Tt* 


o 


o 




CD 


o 


»o 


o 


t— 


co 




~£ 




tH 


t^ 


CO 


O 


CO 


os 




00 


CO 


»o 


CM 


OS 


o 


H 


































o 




s 




co 


00 


■* 


i—i 


CO 


CO 




oo 


CO 


00 


t— 


>o 


o 






o 




t>- 


CM 


CM 


CO 


OS 


lO 




CS 


lO 


OS 


CM 


I>- 


CS 


-1 




a 




۩= 


i— 1 


co 


CN 




CO 




iO, 




OS 


*o 


1-H 




1-9 

< 




<! 














€©■ 




€& 












ft 
15 




*j 




CO 


o 


i _ l 


t>- 


CM 


l^ 




CO 


CM 


CD 


r _ - 


o 


*o 




53 




co 


co 


i— i 


CO 


CO 


CO 




OS 


TjH 


00 


CM 


os 


CM 


<i 




o 

si 

<D 




oi 


CM 


lO 


CM 


CO 


CO 




CS 


i-H 


CM 


CO 


1-H 


CM 


a 
































o 




Pi 






























a W 


































































a z 
o < 








CD 


CM 


13 


i—l 


CO 


1^ 




« 


CM 


CM 


o 


00 


■* 








•<^ 


OS 


CO 


CO 


lO 


oo 




o 


CD 


co 


t^ 


t— 


CO 


*s 




+5 




kO 


CM 


CO 


00 


CO 


CO 




lO 


lO 


o 


■* 


CS 


oo 


































IH 








CM 


CO 


© 


lr^ 


00 


CM 




o 


b- 


■* 


CM 


o 


CM 






o 




t^ 


t^ 


o 


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CM 


CM 




co 


CO 


00 


t^ 


CO 


CS 


CO 




a 




1—4 


r— 1 


CO 


CD 


CO 


1—1 




1—1 




t>- 


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co 


i-H 


< 




<j 




SS= 










c<r 




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l-H 






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c 

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09 




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CO 


l^ 


CO 


CM 


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CO 


CO 


CO 


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CO 


o • 
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cm 


00 

r4 


© 

CO 


l^ 


OS 
CM 


OS 
1— * 




(^ 


CM 
CM 


co 


l-H 


o 
oi 


<M 


o 2 
































ft S 
5 M 




" 




































■o 


CO 


co 


OS 


_, 


1—1 




CO 


t^ 


CO 


■rfn 


^H 


00 








os 


t^ 


CO 


lO 


CO 


OS 




1-H 




•o 


-* 


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i-H 


g ft 

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c 




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1—1 


CM 


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CO 




1—1 


ws 


CM 


t- 


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CO 


lO 


o 


CO 


CO 


CO 




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o 


co 


O 


TH 


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CM 


oo 


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CM 




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CO 


o 


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CO 




a 




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CM 


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CM 


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TH 


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1— 1 




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CO 






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1—1 








































s 




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CO 


CO 


oo 




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CO 


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CO 


co 




o 




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1 


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CO 


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co 


CO 




CO 


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CO 


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CO 


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CO 


CS 


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cc 


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3 




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CM 


CO 


co 


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a 




CM 


CM 


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Id 


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CM 


o 

o 






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CO 




















CO 














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o 




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H 


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o 




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H 

CO 




3 

3 


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3 






o 




3 


3 

3 
3 










w 

3 

^ 




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3 




3 






CO 

w 




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3 

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CO 
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o 


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S .1 I J- 5 -i t ||»|lf I' I I £ | 1 1 

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XXXIV 



STATISTICAL TABLES. 



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STATISTICAL TABLES, 



XXXV 





















4- 




















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a 

OS 

13 

o 
H 

-t-3 


s 

•4-a 


CD 

a 

CD 

m 

»-H 

eS 

e 


Is 
o 


O 
>< 


a 

SH 
CO 

o 

rP 
•4-3 


13 

P 

P 
3 

P 


s 

p 

X 

• l-H 

p 
8 

rP 

Pa 


CD 

p 

CD 


V 

e3 
CO 

H-3 

p 

CD 

V 


3 
p 

CD 

T3 


oT 
u 

CD 

>• 


H-i 

p 

CD 

o 

p 
o 


'ci 

p 

-t-3 

p 

p 
.2 


Vi 
CD 

-4~> 

c3 

-t-3 

CO 
'O 

CD 


p" 
o 

HJ 

p 

CO 


«4-l 

o 

CO 

o 
H 


o 

-4-3 

p 

e3 

S-H 

o 


e3 


P 
8 


1 


e3 




?H 

o 


P 

P-l 


o 

in 

Ph 


o 

H 

■Ph 


p 


S3 


'p 




s 


'p 




ct3 







P4 



eS 

a 

a 



XXXVI 



STATISTICAL TABLES. 



nS » 



CO 


CO 


CS 


CO 


o 


CO 


o 


CO 


CO 


OS 


CO 


CO 


cs 


«© 


OS 


CO 


t— 


1— 1 














■** 


CO 


cs 


CO 


cT 


on 


OS 


I— 1 


CO 


CO 


CO 


OS 


CN 


CO 


l>. 


T* 


lO 


CO 














i— I 


CO 


<M 


CO 


I— 1 


CN 



CS 
CO^ 

cT 

CN 
CO 



CO 
CN 
CO 



۩= 



tH 


"* 


h- 


CO 


CO 


«3 


o 


h~ 


Tt< 


t^ 


co 


CO 










CO 


I— 


CO 


CN 


CM 


t~~ 


OS 


«o 


tH 


CO 


lO 


i— 1 










r^. 


<M 


i-H 




CN 









CO CN 
CO Tfl 



O^ 

o 



cT 



o 

CO 



bo 

< 



05 [«! 



OS i— i 
>o co 
O t- 



co 



۩= 



1^ 


t>- 


iC5 


IQ 


CO 


CS 


CO 


CN 


CO 


rH 


t~- 


i— < 


CO 


CO 


CS 


.—1 


"*« 


CO 


o 


"* 


I— I 
















on 


CO 


tH 


t^ 


CN 


lO 


CI 


o 


•— 1 


CO 


CN 


CO 


CN 




r— ( 




CN 


o 


J— 1 


i— 1 





۩= 



H3 

P 

r— I 

o 
S3 

o 
Q 



w 

PQ 
< 



CS 
OS 



OS 

CO 



۩= 



OS 


r^ 


OS 


CO 


CN 


CN 


o 


o 


CO 


Tt< 


•o 


CN 


t— 1 


I— 1 


o 












o 


O 


CO 


rH 


tH 


o 


OS 


CO 


CN 




CO 


«* 









£ >> 



CN 


CN 


CN 


f— 1 


CN 


OS 


cs 


t— 


CN 


1—1 


t^. 


co 


CN 


iO 


OS 


CO 


i—i 


h~ 














CN 


«3 


CO 


tH 


CN 


00 


CO 


t- 


Tf 


CN 


CO 


CO 


۩= 


i— ( 


r—t 


i— 1 







CO 
CO 



۩= 



i— I 00 i— I i— 1 



o 


CO 


o 


cs 


© 


CN 


CO 


CO 


CO 


tH 


CO 


t^ 


I— 1 


r-~ 


CN 


CO 


t^ 


*a 


IQ 


o 


i— i 


CO 


CS 


c 


CN 


CN 


OS 


CO 


ta 


t^ 


© 


CO 


t^ 


tc> 


CO 


iO 


OS 


Tf< 


CO 




























CM 


t>. 


co 


CN 


ITS 


-* 


t— 1 


<* 


CO 


CO 


CN 


»o 


CO 


fN 


CO 


OS 


W5 


CO 


CN 


*a 


IO 


io 


r^ 


OS 


?— t 


CN 


CN 


co 


•* 


CN 


CN 


CO 


m 




CO 


o 


■«*l 


CO 





< 

M 
c 
O 

co 
H 
E-> 

co 
U 

a 

o 

<: 



H 

H 
02 

PS 
« 

H 

o 

o 



m 



a 


a 




• 


• 


Ph 


o 




T3 


^ 




o 


o 

CJ 


CD 


a 

e3 


03 




O 


a 
c3 

ffl 


E3 
A 
O 
c3 


fcD 

a 


a 


'3 

o 




a 


CO 
CO 

03 


^ 




H 






s 


» 


CC 







cu r~. 



e3 

a 



-»-3 

a 




oT 


0? 




a 












o 
o 

a 
a 
o 


V 

a 
a 
o 


03 

'a 

CT 1 


c 

cS 

a 

>- 

CD 


CD 

s 

o 


00 

03 

CO 

a 

c5 


O 


o 


W 


o 


w 


M 



STATISTICAL TABLES. 



XXXV11 



© 


■* 


_ 


1—1 


OS 


o 


CO 


CO 


OS 


OS 


OS 


iO 


CM 


^ 


CO 


CM 


tH 


^H 


■* 


r— i 


l^ 


os 


co 


1-^ 


CO 




CN 


CO 


os 


co 




-Hi 


o 


Tt» 


CO 


© 


© 


© 


-^ 


©_ 


CO 


«o 


c^ 


■* 




t^ 


IO 


CO 


1— < 


o 


CM 


o 


l-H 


CO 


Tf 


© 


© 








































CO 


Oi 


GO 


i~«. 


l^ 


OS 


CO 


i-H 


l-H 


Tf 


CO 


iO 


i — i 


CM 


1^. 


CO 


CO 


CO 


CM 


t— 


r~ 


t^ 


o 


iO 


CO 


OS 


CO 


I— 1 


-* 


co 


© 


IO 


t^ 


t-~ 


© 


os 


t— 


r^ 


iO^ 


t^ 


GO 


CN 


GO 




rt< 


CM 


co 


CM 


°i 


co 


ou 


o 


CM 


■* 


© 


© 


CO 








































c4~ 


»o 

i— i 


o 

CO 


CO 


1—1 


CM 


t^ 


t)T 


l-H 


CO 


i-H 


OS 


l-H 


CM 


i-H 


i-H 


t-H 


© 

i-H 


I-H 




OS 




<M 






O 


CO 


CM 


^H 






OS 


tH 


>o 




© 


CO 


t^. 




»o 




00 






iO 


OS 


o 


>o 






CM 


CO 


os 




CO 


l>- 






nH 




co 






CM 


co 


l-H 


CM 






CO 


OS 


co 




CO 


© 


©_ 


1 




1 






5 










1 


1 


















GO 




co 






O 


T*1 


OS 


"* 






b- 


o 


© 




GO 


© 






«3 




co 






CO 


CO 
I-H 










l^ 


iO 


l-H 
l-H 






© 
© 


10 
0- 


tH 


tH 


CM 


CO 


o 


>0 


-* 


IO 


l 


OS 


o 


co 


00 


»*l 


© 


CM 


OO 


CO 


t^ 


o 


o 


l^ 


CM 


CO 


CM 


^« 




OS 


t-- 


co 


CO 


CM 


■<*< 


oo 


Tt< 




10 


<o 


t- 


co 


1— ' 


t^- 


1— ' 


O 


CO 


GO 


CM 


■-H 


CO 


o 


CM 


OS 


00 


r- 


CO 


co 


CO 


<M 


CO 


OS 


lO 


CM 


CO 


Os 


CM 


co 


OS 


© 


"* 


1-^ 


CM 


T« 


r-H 


co" 


© 


»o 


OS 


GO 


t^ 


CM 


GO 


o 


IO 


CM 


OS 


OS 




tH 


CM 


■* 


CO 


CO 


t^ 


00 


© 


1— 1 


CO 


i-H 






l—H 


CO 


F— 1 






i-H 


TtH 


CM 


i— 1 








CO 

go" 




t-~ 




CM 


F— 1 


CO 


00 


CO 


co 


»o 


CM 


o 


CM 


CO 


>o 


"* 


© 


© 


© 


CO 


CM 


1 — 1 


OS 


^H 


CO 


Tl 


.— 1 


os 


CM 


co 


t^ 


OS 


o 


CO 


1^ 


© 


GO 


© 


I>. 


i& 


t^ 


CO 


(M 


IO 


CM 


os 


IO 


OS 


o 




f— 1 


T* 


OS 


co 


CM 


CO 


co 










































»o 


os 


CM 


OS 


OS 


GO 


CO 


OS 


"* 


CO 


r^ 


CO 


CM 


OS 


os 




IO 


CO 


© 


CO 


© 

i— i 


GO 


CM 

CM 


»o 


»o 

CO 


CO 

I-H 


HO 
i-H 


«3 


CO 


CM 


1— t 


IO 


Tt< 


.-H 


CM 


CM 


CM 

l-H 

co" 


IO 

CO 

co" 

۩= 


C5 


© 


1—1 


i— I 


OS 


iO 


<# 


CM 


CO 


OS 


O 


CM 


OS 


«o 


CO 


© 


© 


© 


O 




IO 


GO 


co 


>o 


IO 


>o 


O 


CO 


co 




■"*" 


iO 


«o 




r-H 


CM 




GO 


o 




CD 


CM 


© 




OS 


O 


I>. 


OS 


l-H 


CM 


«5 


^ 


co_ 


© 


OS^ 


© 


©_ 








































OS 


b~ 


CO 


i—i 


CO 


IO 


IO 


o 


o 


CM 


os 


co 


co 


'#" - 


CO 


© 


r-T 


t-T 


ccT 


CO 


lO 


^H 


*o 


I>- 


CN 




IO 


OS 


© 


l-H 


CM 


CO 


CM 


r^. 


00 


© 


co 


t^ 


I— 1 


©^ 

i-H 


OS 


CM 




CO 
i-H 


CO 


l-H 




i-H 


l-H 


co 




r-H 






t-H 


1 — 1 


CO^ 


CO 


CO 


OS 


CO 


»o 


os 


IO 


CO 


l>. 


r-» 


CO 


o 


o 


co 


-* 


© 


^H 


CM 


*# 


»o 


co 


GO 


o 


CO 


OS 


CO 


■^ 


t^ 


(M 


CO 


CM 


oo 


© 


© 


r-«. 




© 




iO 


OS 


■* 


© 


CO 


OS 


■HH 


t^ 


CO 


o 


l--- 


CO 


l-H 




©^ 


°^ 


CO^ 


t^ 


■* 








































CO 


OS 


Tfl 


CO 


CO 


1^ 


r-~ 


CO 


iO 


IO 


GO" 


CM 


CO 


CM 


i>T 


t-T 


io 1 


t^~ 


of 


© 


co 


GO 


OS 


3 


GO 


CM 


IO 


l^ 


CO 


l-H 


■* 


OS 


iO 


iO 


IO 


© 


© 


(M 


CO 


iO 


CO 


t^ 


CO 


tH 


W3 


CM 


CO 


CO 


°i 


CM 


Tfl 


CM 


CM 


CO 


^t 1 












































t- 


© 






IO 


i-H 










TiT 












co 


© 




















CO 
















0Q 
CD 




• 


• 


• 


• 


• 


• 


'3 

3 


• 


» 


3 

>H 

H 


• 


• 


• 


• 


• 


• 


• 


-4—1 

c3 


• 


















n 


aT 














u 
















3 


• 




3 


to 














cu 


» 


3 
03 
+■» 

-t-> 
63 

,3 
3 
c3 


a 

c3 


. 


cd 

a 


. 


. 


*H 

CD 


a 
-w 

3 

s 

3 
3 

CD 

Ph 


3 
3 


03 
CD 

3 


3 

> 
03 
02 


, 


. 


"5 

SH 


'o3 

3 


CD 


3" 






CO 

Us 

O 


o 

Oh 

o 

2 


1 


m 

. — i 

a 

3 

-t-a 


*c3 
a 
o 

o3 
55 


M 
o 

CD 


-t-s 

to 
CD 

O 


3 
8 

Ph 


-4J 

3 

CD 

!2 
o 

lH 

Ph 


3 

CD 

o 


[3 
'■+•* 

3 
CD 

3 

Ph 


00 

CD 

> 

03 

H 


3 

CD 

o 

3 
O 

"S 


1 
3 

.2 
3 

P 


03 

o 

'S 

p 




.9 


CO 

O 

H 


3 

03 
O 



XXXVlli 



STATISTICAL TABLES, 



H 
O 

s 

ia 
o 

H 

CO 

to 
SB 

0. 

W 

o 



03 



pa 
H 





to 

3D 




00 


os 


o 


rH 


i-H 






o 


«— 1 


CO 


^ 


CO 


CM 








OS 


CO 


OS 


CO 


OS 


1 




t-J 


OS 


lO 


CO 


OS 


o 


t 






























i-H 






FN 
































o 




CO 


KO 


t^> 


OS 


TfH 






CM 


CO 


CO 


OS 


CO 


(^. 








os 


OS 


CO 


t^ 


CO 


5 




t~- 


CO 


lO 


CO 


CO 


o 


t 




ao 


































OR 




























r-H 






"" 
































30 




tH 


"* 


h- 


tH 


I>» 






eo 


CO 


CO 


_, 


CO 


o 








OS 


H 


CO 


CO 


CO 


J 




t>- 


OS 


LO 


OS 


CO 


l-H 


i 




ao 






1— I 






















l-H 




o5 


ii 
































« 




CM 


o 


m 


i-H 


CO 






OS 


co 


CO 


o 


_, 


rt> 




o 




OS 


OS 


OS 


r^ 


CO 






fr- 


CS 


lO 


OS 


o 


o 


1 




ao 
































55 


ao 


























l-H 


1—4 




si 


. 


CD 


*» 


to 


o 


OS 






co 


CO 


OS 


lO 


OS 


CM 






OS 


OS 


OS 


t^ 


CO 


i 




00 


os 


»o 


OS 


CO 


l-H 


1 


55 


QC 
































ao 


























l-H 


l-H 




O 


P4 
































ft 


































03 


































a 


• 




CM 


1— 1 


"HH 


os 


lO 


CO 




os 


OS 


t^ 


o 


CM 


t^ 






o 




OS 


o 


o 


CO 


OS 


CO 




^ 


OS 


lO 


o 


o 


o 


I 


os 


© 
































o 


as 






1—1 


I-H 
















l-H 


l-H 


l-H 




O 


w* 
































. 




o 


tO 


_, 


CO 


lO 


h«. 




o 


l^ 


o 


CO 


OS 


eo 






w* 




OS 


1—1 


o 


CO 


Os 


CO 




CO 


OS 


CO 


OS 


o 


I-H 


t 




a 


































ao 






l-H 


l-H 


















l-H 


l-H 






p* 
































« 




CM 


o 


tH 


os 


CO 


o 




CO 


CO 


_ 


MO 


o 


CO 








OS 


CM 


© 


CO 


OS 


OS 




t>- 


o 


CO 


CO 


CM 


CM 


i 




ci 


































% 






r— 1 


i-H 












r— I 






I-H 


l-H 






H 
































. 




CO 


r^ 


OS 


"* 


<* 


»o 




CM 


o 


OS 


CO 


CM 


•^ 






M 




CO 


"* 


os 


CO 


CO 


CO 




t^ 


Os 


kO 


CO 


l-H 


no 


I 




ft 


































ao 






i-H 




















r— 1 


l-H 






w* 






































CO 


CM 


CM 


l-H 


JO 


^ 




eo 


os 


o 


o 


t^ 


kO 


t^. 




o 




CO 


CO 


Os 


CO 


CO 


CO 




fr- 


CO 


CD 


CO 


o 


T(J 


I>. 






































rt 






l-H 




















i-H 


l-H 






a? 






































TfH 


+4 


tjh 


CO . 


r— ( 


t» 




CM 


CD 


^ 


eo 


cjT 


OS 


CM 








CO 


-tfl 


os 


lO 


«o 


t>. 




00 


>o 


t^ 


CM 


1— f 


o 


CM 




CO 




o_ 


"^1 


co_ 


t^ 


rf 


I~- 






CO 


OS 


CO 


l-H 


o 


TP 




O 


































to 




CO 


to 


©~ 


CM 


o 






CD 


t^. 


t^ 


CO 


eo 


t>~ 


co 








CM 


CO 


o 


t^ 


co 


i-H 




CO 


OS 


"5*1 


CM 


*HH 


co 


CO 




a> 




CO 


CM 


CO 


to 


rP 


"* 




cs 




cs 


^ 


E^o 


lO 










۩= 










cm" 




€&= 






|C 










3 














m- 


























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•-O-i 






+. 






CO 


co 


1# 


CO 


CO 


CM 




OS 


CO 


W3 


KO 


CM 


CM 


o 


P 






o 


Tt« 


CM 


o 


th 


CM 




ao 


o 


CO 


lO 




CO 


lO 








Tf 


^1 


1—1 


t^ 


o 


t^ 




CM 


CM 


CO 


co 


OS 


o 


CM 


c 


d 

£ 
































£ 




co" 


>o~ 


OS 


ocT 




o 




OS 


CO 


o 


Tf 


o 


Tf< 


co 




os 


OS 




TjH 


13 


T— ( 




t^ 


os 


Tl 


■^ 


"5H 


i-H 


to 


■* 


3 




T* 


to_ 


CO 


l-H 


lO 


CO 




CO 


CO 


CO 


o 


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o 


CM 










































t~-T 


l>r 


CD 


CO 


o 


>3 




to 


o 


CO 


CO 


cs 


OS 


CO 


^ 


hH 




eo 


i-H 


CO 


OS 


•o 


CO 




CO 


!-H 


o 


CM 


CO 


CO 




a 






m 










CM 




l-H 




l-H 


CS 








£ 














۩= 




۩= 


















CO 

W 
Ph 


. 


• 


• 


♦ 


• 


• 


w 

H 
Ph 
H 


• 


. 


• 


• 


• 


• 


• 




«1 


S 


• 


• 


• 


° 


• 




















^H 


o 






























53 


O 
































C8 

H 


• 


t _ r 


• 


* 


* 


• 


o 














° 




y 
< 


H 




'S 


"5 


"os 

3 
■*-» 

3 

3 

3 






Eh 


















W 
CS 
P> 

a 
< 

SO 
CO 


• 


s 
a 

o 
o 


3 
3 

0Q 

03 


"m 


• 


o 

w 

H 

<^ 

Ph 


• 


3 

o 


03 
3 

3 


• 


• 


• 


"5 

3 
■+* 

3 

co 
03 

CO 

3 
03 






<< 


^ 


o 


03 


c3 


3 


QQ 


o 
o 




3 


3 


«t 


«, 








3 


SH 

13 

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w 


p 

HI 

e 
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1-3 


3 
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o 

03 

CO 

en 

e3 


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c 

0) 


3 

03 

03 

+-» 


*e3 

o 


3 

3 


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o 

03 

3 
3 

o 

o 


ts 

a> 

3 
3 

o 

o 


03 

s 

03 

*3 
en 

w 


«3 

'3 

03 

3 

fH 

03 

o 


oT 

3 
o 

m 



STATISTICAL TABLES, 



XXXIX 



o 


O 


OS 
GO 


I—l 
CD 


O 
O 


OS 


CO 
CO 


OS 1 




.50 


o 


, 


CO 
I—l 


CO 


o 


1 


, 


l-H 


i-H 






i— i 


»— 1 














1— 1 


t—t 


l-H 






CM 
CM 


OS 
r— 1 


Os 
O 


CM 

CD 


eo 

I—l 


CO 

1— 1 


o 
os 


OS 1 


co 




ko 

CO 


I 


CM 


OS 
CM 


CO 

o 


1 


1 


i— 1 


CM 


i— I 




1—1 


1— 1 














1— 1 


I—l 


'-' 






CM 


CM 


eo 

IM 


CD 


OS 
O 


CO 
CM 


OS 


«5 

O 1 


OS 


o 

CO I 


0O 


1 


CM 

o 


CO 
CM 


OS 

o 


1 


, 


«— i 


i—i 


i—l 




i—l 


i— I 




1— 1 










1— 1 


i—l 


l-H 






co 

CM 


(M 

CO 


O 
CM 


OS 
CO 


o 

CM 


XO 
CM 


I—l 

OS 


OS 

OS I 


CO 


HO 1 


CO 


1 


lO 

o 


OS 

I—l 


o 


CM 

© 


l-H 

o 


i— 1 


1— 1 


i—l 




i—l 


i—i 
























CO 

i— < 


CO 
CM 


o 


o 


eo 

CM 


© 
i—i 


CO 


O I 


OS 
CO 


lO 1 


CO 


I 


I—l 


CO 
I—l 


o 


OS 


CO 
OS 


'""' 


?— 1 


1—1 




i—i 


i—i 




1— 1 










I—l 


i-H 


I—l 






r-l 
I— 1 


CD 
00 


co 
o 


1—1 


O 


id 

© 


CO 
CO 


<* 

O I 


OS 
CD 


1—1 

CO 1 


CO 


! 


CO 
CM 


I—l 
CM 


CD 

o 


eo 

OS 


co 

OS 


I— 1 


i— 1 


l—l 




i—l 


r— 1 




1— 1 










1— 1 


l-H 


l-H 






o 

CM 

i—i 


OS 
CO 

1— 1 


CO 

1 — 1 


CO 
CD 


CM 

O 
i— I 


i— 1 

i— 1 


I>. 


CO 1 


OS 
CD 


CO 

CO I 


os 

CO 


CO 

1— 1 

I—l 


co 

CM 

1— 1 


co 
o 

l-H 


co 
o 

l-H 


CD 
OS 


ICO 
OS 


i—i 
i— i 


1—1 

© 


i-H 


CO 
CD 


CM 

O 


o 


CO 
CO 


CO CM 


CD 


CO CO 
CD lO 


CO 

CO 


o 


1—1 


o 


co 

o 


CM 

OS 


l-H 

OS 


i—l 


CM 


I—l 




i— I 


I— 1 




I—l 




1— 1 




" 


l-H 


— ' 


r—l 







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V .B 



a •=> 



° -a 



c 


*— i 


kt 










A 






X 


t-i 



H o 





++ 




















++ 
















tH 


CM 


iO 


OS 


i-H 


GO 


OS 


U0 


»c0 


!>. 


^ 


lO 


OS 


CO 


t^ 


h» 


CO 


CD 


CO 


co 


»o 


Tj* 


Tfl 




00 


CO 


o 


t^ 


t>- 


o 


l>. 


lO 


OS 


tH 


CM 


OS 




WO 


CO 


CM 


o- 


lO 


t^ 


1-H 


CD 


o 


o 




lO 




CM 


T^ 


CO 


TH 


eo 


t^ 


IO 








































os 


CO 


Th 


CO 


CD 


OS 


r~- 


CO 


CO 


lO 


lO 




«*l 


CO 


o 


no 


CO 


CD 


CO 


us 


t^ 


CO 


uo 


•* 


t^ 


Tt» 


r^. 


os 


CD 


CO 


o 


i-H 


CO 


i-H 


-** 


l-H 


Os 


o 


CD 


CM 


^1 

Os" 


CO 


CO 


°1 

ocT 


CM^ 

CM - 


OS 


Tf 


CD 


lO 


CN 


O 


t^. 


"* 


tji 


o 


co^ 

Os" 
CO 

€©■ 


GO 

1—1 

۩= 




-f- 




















K>- 
















CO 


r* 


OS 


OS 


CM 


OS 


CO 


t-~ 


CO 


CO 


CO 


o 


OS 


o 


OS 


00 


OS 






r^ 


CO 


r-H 


CO 


CO 


l-H 


io 


OS 


CO 


r« 


co 


CO 


OS 


CM 


CM 


t^ 


o 


CM 




O 


CO 


I-H 


l-H 


CM 


T* 


CM 


CO 


r- 


O 


CM 


CM 


l-H 


o 


CM 


CM 


0O 


tO 










































co 


O 


OS 


CO 


'Hi 


HO 


•o 


CM 






CO 


CO 


o 


CO 


eo 


CO 


CO 






no 


CO 


GO 


CM 


o 


CM 


CM 


T— 1 


co 


lO 


co 


t^ 


GO 


■«*< 


i-H 


CO 


CD 


CO 




OS 


lO 


t>. 


GO 


CO 


CM 


OS 


TH 


o 


l>- 


IO 


TT 




o 




"*■ 


CD 












































CM 


CO 


CO 


■o 


CO 


CO 


CM 


IC5 


>o 


l-H 


CO 


CO 


CM 


CO 


CO 


CM 


OS 






CO 


i-H 


CM 

00 


© 


CO 


OS 


co 

CO 


CM 


CO 


o 

i-H 


CO 


i-H 


CO 


t^ 


CO 


■^i 


"* 


CM 

OS 
CM» 

«5^ 


•o 

■rtT 










































































CO 






































CD 
















~ 






B 
















03 




• 


• 


• 


• 


• 


• 


03 

B 


• 


. 


t3 


„ 














CO 


. 


B 

03 

+-> 
+-» 
o3 
.B 
B 
03 


B 
OS 


• 


-t-T 

ca 
a> 
B 


• 


• 


B 

B 
Jh 
CD 


"3 

B 
B 

B 
B 

<u 
Ph 


"5 

B 


B 
o3 

<D 

<H 
3 


fcC 

.2 

XT) 


• 


• 


"5 


B 

•— 

B- 

B 
O 

a 

P 




b" 


OS 

o 

C—i 

O 


CO 

la 
o 


o 

(H 

oj 


"o3 

B 

-t— . 

3 


W 

B 
+-> 
3 

a 


"oS 
B 

.2 


o 

I* 

CD 


CO 
CD 

A 

-t-> 

i-c 

O 
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B 

8 
Ph 


B 

o 
Ph 


B 

> 

o 

f-t 
Ph 


.5 
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s 

<a 

r3 
B 

lH 

Ph 


CO 

U 

<u 

> 

03 

H 


B 

0) 

o 

B 

.2 
a 

p 


*a 
P 


o 
"So 
.9 

03 


CO 

o 
H 


a 

03 
!h 

CD 



3 

a 

H 
60 

3 



S3 oo 



^1 



P. -o 


C3 


S 


O 






u 


o 




M 


an 


tos 



xl 



STATISTICAL TABLES. 



o 

H 

CO 

fa- 
ce 

CO 

O 
|J 

fa 
O 

CO 

W 
•< 

fa 



>H "53 



fa 
► 

03 

O 
fa 

CO 

O 

►H 

H 



h- 1 
« 
P 
ft 

B 
H 
-si 
fa 
Q 

tt 

CO 

rH 
P 

o 



fa 

p 

H 



s 

B 



^3 
5 



<1 


O 




"O 


K 


© 


< 


rO 


fa 


03 


> , 




/H 


ra 






fa 
2 


■B 

H 


H 





•II9AI8 


CD 


CO 


!>. 


"J< 


h- 


CO 


i-H 


|-~ 


© 


© 


© 


CM 


!>. 




rH 


«3 


t^ 


r— ' 


OS 


CO 


CM 


iO 


rH 


© 


© 


© 


© 


1 


SJ^a A 9ATJ sm 


r-H 


r— 1 


r-H 


1— 1 




CM 


i-H 


i-H 


I-H 


i-H 




l-H 


r-H 




JOJ 8SB.I8AV 


































CO 


© 


© 


© 


CN 


CO 


CM 


»o 


© 


CO 


t— 


i-H 


CO 







© 


rH 


l^ 


l>- 


I-H 


OO 


CM 


CO 


© 


CM 


CD 


CO 


© 




1 


D 


OS 
QG 

H 


i— I 


i— 1 


1—1 


I-H 




CM 


I-H 


CM 


r-H 


r-H 




r-H 


r-H 




S5 
































►H 
H 






























































P 


, 


CO 


OO 


l-H 


t~- 


CO 


OS 


rH 


CO 


^H 


CO 


© 


CO 


© 




H 


rH 


»o 


CO 


o 


© 


CM 


i-H 


iO 


rH 


CO 


© 


IO 


© 


I 




« 






























< 


Qt 

»N 






























fc 
































< 
































S 


































l-H 


l-H 


eo 


■o 


o 


© 


CO 


CM 


© 


© 


© 


,_, 


t~- 




O 
H 


£?» 


IO 


rH 


r^ 


CM 


o 


rH 


© 


© 


© 


© 


© 


c^ 


r-H 


1 


© 


1 — 1 


I— 1 


I-H 


I-H 


l-H 


CN 


l-H 


r-H 


r-H 


r-H 






,_) 




03 


90 






























CO 


H 






























O 
































►H 






























































O 




































co 


© 




»Q 


o 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


rH 




55 
P 

o 


W 

oo 


»o 


© 


CO 


r— i 


© 


CO 


CM 


CO 


rH 


OO 


© 


I-H 


© 


1 


3 


FN 




























































































o 




































CN 


<o 


© 


rH 


CM 


© 


© 


r-~ 


© 


OO 


© 


I-H 


r-H 


i— t 




r* 


rH 


rf 


CO 


O 


© 


o 


CM 


CM 


rH 


I-H 


t— 


«o 


© 


CO 


< 


C5 
00 


r-H 


r— 1 


i-H 


i-H 


l-H 


CM 


r-H 


i-H 


r-H 


CM 




r-H 


r-H 


i-H 


M 


FN 






























•S9I0H°<I 


OO 


t— 


00 


IO 


i-H 


CO 


© 


rH 


© 


© 


t^ 


t~- 


io 


CM 




i-H 


CO 


CO 


© 


OS 


<M 


l-H 


CM 


rrl 


CO 


l>- 


io 


© 


t>. 


jo jaqnmjST 


1—1 


i-H 


i-H 






CM 


l-H 


l-H 


i-H 


r-H 




I-H 


I-H 


r-H 


UB9H 0} oijbh 































rh 






i>- 


rH 


CO 


CO 


© 


t^ 


IO 


•o 


© 


IO 


IO 


CD 


rH 


© 








i>- 


IO 


CO 


© 


CO 


CO 


CM 


r-H 


© 


lr^ 


CM 


rH 


CM 


0O 






a 


00 


t~ 


1— 


IO 


rH 


«5 


»o 


t~- 


© 


r-H 


© 


© 


CO 


© 


































55 







CM 


© 


rH 


CM 


CD 


co 


r-H 


t- 


IO 


i-H 


r^ 


© 


© 


rH 






o 


© 


io 


00 


co 


r-H 


CM 


l-H 


»o 


oo 


1^ 


t^ 


rH 


l>- 


© 


E 




a 


GO 


CO 


rH 


CM 


»o 


© 


© 


rH 


© 


CO 


rH 


CO 


CO 


IO 
































H 




*< 


r-H 


I-H 


CO 


CO 




CO 


I-H 




r-H 


r-H 










<! 






r-H 




























w 






۩= 




























ft 

rH 








1 


























































« 








































rH 


iO 


r-H 


IO 


l-H 


l-H 


© 


i— i 


© 


l-H 


-H 


© 


CO 


i-H 






a 


t^- 


rH 


© 


CD 


© 


© 


co 


rH 




«5 


CM 


OO 


IO 


OO 


s 




co 


rH 


© 


O 


r-H 


rH 


o 


CM 


CM 


rH 


CM 


CN 


r-4 


CO 


































< 






CO 




l-H 


CM 




l-H 






i-H 












o 




& 






























•ss 


jnisng 


CO 
rH 


3 


IO 

rH 


>o 

rH 


»o 


© 

rH 


' rH 


© 

rH 


© 

IO 


© 

IO 


© 

»o 


© 
IO 


l-H 

IO 


i-H 

iO 








CO 


CO 


OO 


CO 


CO 


00 


CO 


OO 


CO 


CO 


CO 


oo 


CO 


OO 




































*M 


































fc 


































< 


































Oh 




































































^ 


































o 


































CJ 




• 


l _^ 




























fa 






eJ 




























o 






B 








"oS 




















fa 






B 


• 


• 


• 


d 


* 


















3 






p^ 


- 






p 
















"cl 




< 




*3 

D 


•d 

es 
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a 

CD 


© 

(=1 

© 


u 
o 

© 


'el 
© 

c3 
■«-> 
CO 


-i-i 

o 

© 

© 

a 
a 
o 
O 


B 
B 

B. 
B 
© 

Ph 


c3 
B 
+j 
B 

B 

.2 

'b 

p 


B 

-t-3 


B 

OS 

«3 

rB 

B 

C3 


B 

o 

at 
!2h 


CO 

© 
CO 

© 

-4-1 

'2 
P 


© 

rH 

aa 

r£d 

© 


B 

-4-J 

B 

'3 

8 

(P 



STATISTICAL TABLES. 



xli 



CM 


CO 


CO 


CM 


UO 


>eo 


.—1 


^H 


CM 


^H 


CO 




tH 








i— i 


OS 


CM 


CO 


CO 


ICO 


10 


OS 





0O 


r-H 


J 


CM 


8 


I 


! 


i— I 




1— 1 


rH 


i-H 


I-H 


r-H 




»-H 




CM 




r-H 








tH 


CO 


(M 


-* 


-* 


tH 


CO 


CO 


CM 


r-H 


as 




tH 








tH 


OS 


(M 


CD 


CO 


CO 


CO 


r-H 


O 


CO 


-*< 


1 


CM 


1 


1 


I 


l-H 




1— t 


1— 1 


p—t 


l-H 


i-H 


r-H 


l-H 




CM 




r-H 








O 


OS 


co 


1—1 


CO 


CM 


OS 


CM 


CM 


ia 


CO 




as 








1—1 


CO 


1— 1 


CO 


CO 


IO 


OS 


CO 


i-H 


fr- 


fr- 


I 





1 


1 


1 


1— 1 
















i-H 




(M 




r-H 








i— 1 


OS 


■* 


OS 


f^ 


OS 


O 


CM 


r-H 


OS 


r-~ 




-* 








l-H 


OS 


CO 


10 


CO 


CO 


Ir^ 


OS 


OS 


t- 





1 


CM 


1 


1 


i 


I-H 




















<M 




r-H 








OS 


r-H 




t^. 


OS 


l>- 


co 


O 


CO 


r-H 




CO 


r-H 






1 


o 


o 


<M 





OS 


co 


CO 


as 


OS 


OS 


CO 


t- 


CO 


1 


1 


1 


I— 1 


I— 1 


1— 1 


i-H 




i-H 


i-H 








CM 




r-H 








T* 


CM 


CM 


1-H 


r-H 


1— 1 


10 


r-H 


CO 


■* 


O 


r^ 


O 


CM 


CM 


h- 


I— 1 


00 


CM 


10 


T* 


«o 


r-H 


OS 


r-H 


OS 


O 


fr- 


CO 


CO 


as 


CM 


l-H 




1— 1 


r-H 


i-H 


i-H 


I-H 




i-H 




i-H 




r-H 






i-H 


t-^. 


o 


OS 


r— 1 


CM 


CM 


0O 


CM 


00 


■* 


fr- 


CM 


CM 





■**! 


CO 


o 


CO 


O 


^H 


CM 


CM 


O 


O 


CO 


00 


O 


fr- 


r— 1 


CO 


CO 


i-H 


1— 1 




1— 1 


1— ( 


i-H 


»— 1 


I-H 


i-H 






r-H 




l-H 






r-H 


co 


r— 1 


t^ 


co 


in 


O 


O 


CM 


IO 


CM 


>o 


00 


r-H 


T* 





CO 


O-l 


OS 


co 


as 





t-~ 


IO 


MO 


OS 


-HH 


I— 1 


as 


CO 


l-H 


C5 


«o 


o 


Tf 


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xlvi 



STATISTICAL TABLES. 



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STATISTICAL TABLES. 



xlvii 



r-i CM "0 



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STATISTICAL TABLES. 





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STATISTICAL TABLES. 



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2 



lviii 



STATISTICAL TABLES. 




CO 

6 

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H 



PQ 





T3 






CM 


. 




„ 


S3 




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is 


03 


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PLI 



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bri 


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be 


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t3 


p 


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d 


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03 


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ft 


CQ 


is 


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CD 


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XV 



,14 



60 



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S3 
O 


>-> 




O 


u. 


CD 


T3 


B 
oS 
CD 

M 




-t-> 


o 

B 


CD 
lip 

'3 


h, 

o 


0J 

42 

O 


03 

p 
W 


OS 

w 


43 
O 


H 

Pm 
h. 

CD 


w 


P 


p 


H 


d 


£ 


<j 


oS 


CO 


hi 


p 


. 


. 


p 


p 


+3 


(J 


B 


43 


o 


o 


43 


43 


. 


«t 


4-1 
H 


w 


o 


cu 

O 


<x> 

O 


O 


O 
►"5 


£ 


£ 











































c3 
































CD 




4^ 

03 

1—1 


P 

Ph 

pq 

cd 

"p 
p 

o3 


r— < 
CD 

-*3 
hi 

o 


i 


43 

+3 


a 


P 

o 

03 

P 

43 


P 

a 




03 

c 


la 

CD 


P 
e3 

CD 
Pi 
03 
hi 


hi 

p 

O 
o 


CD 
P 
P 
CD 

H 


hi 

p 


03 
CO 

P 

'c3 


2 

43 
-i-3 
P 

<1 


P 

bD 
03 
hi 

Pi 
CO 


03 


hi 

oS 
43 
o 


43 
r/j 

i-i 

hi 


1 


cS 
hi 

hi 

p 

H 


-1-3 

OS 
P 
< 

CO 


O 

w 

6 


o 
pq 
o 

N 
P 

o 


03 
cu 

Ph 

CO 

h4 


Ph 

CD 

P 


OD 

03 

a 

O 


P 

a 

.63 


p 

43 


Cm 

"oj 

P 

a 


p 

Pm 

a 




6 

43 

Pi 

CD 


P 
hi 
O 
42 

03 

o 


+3 

s 

-1-3 

hi 

CD 

42 


rt 




P-i 




Ph 


© 


< 


o 


o3 
CO 


43 
H 


^ 


O 
H-5 


03 
&0 


* 


CD 

O 


O 

>-5 


<1 


«1 










a 










hi 






>H 






















•rH 










O 




















p 

o 


a 
o 


O 


P 
O 


03 

03 
CD 

'o3 


T3 

hi 

o 

«l-l 


CD 

P 

3 


a 

44 


p 

o 


Ph 

CD 

bo 
12 

"h 
42 


be 

'hi 

42 




p 

^» 

3 


of 
CD 

OS 


ef 

CD 


p 

o 


CD~ 

bD 

'hi 

42 


oS 
43 
CD 


R 

O 


03 


+3 

03 


+3 

03 


00 


fl 


o3 


o 
o 


O 
O 


D3 


a 


a 


e: 


o 

o 


CD 


CD 


p 


a 


P 
O 


cc 


O 


o 


O 


o 


o3 


hi 


hi 


hi 


o 


03 


03 


o 


hi 


43 


43 


^zj 


03 


O 


W 


W 


PQ 


pq 


•-5 


pq 


pq 


pq 


pq 


O 


o 


J 


pq 


O 


o 


o 


O 


CO 


pq 


CO 


o 


CO 


CO 


OS 


o 


t-~ 


t^ 


CM 


i— i 


■* 


i—i 


.—i 


oo 


OS 


lO 


-* 


1— 1 


r-- 


t^ 


OS 


t-~ 


OS 


CO 


OS 


CO 


oo 


OS 


oo 


CO 


OS 


CO 


t- 


OO 


OO 


OS 


CO 


CO 


oo 


CO 


GO 


GO 


oo 


00 


CO 


oo 


CO 


oo 


CO 


oo 


oo 


oo 


CO 


CO 


OO 


OO 


CO 


co 


o 


O 


CO 


1— 1 


ITS 


CO 


r+< 


TjH 


CM 


o 


•* 


lO 


1 — 1 


OS 


». 


lO 


CO 


m 


CN 


CM 


i— I 


CM 




i— 1 


<M 




CM 


CM 


CM 


.— 1 




r-i 


r-H 


CM 




1—1 


1—1 


42 
cd 
Ph 


Ph 


03 


o 


13 


P 


03 


> 

o 


>> 

03 


B 


o3 


h 
03 


■h> 


P 


03 


42 
CD 


CD 

P 


p< 


+3 

o 
O 


02 


S 


p 


< 


oS 

1-5 


S 


K 


s 


o3 

1-5 


§ 


S 


CD 
CO 


o3 

H5 


^ 


1-5 


CO 



o 

• • • . . . . . . .03 . . .-. . . ""P 

O -f" P ^ CD p " 

"3 p - .2 p S p R 

O o3 Bo-* 30 ?J S P»5- 

S -3 .2 •£ .58 g •§ ^ § . c" .2 ^ 

' < : 2 •■S5 83s , 'l .-ig : .2 • 3 b~ 

»g»pqos^^'S <, 1go'bb <l o1 t s--ncD<! 
e Tjpp'^rrtPH hH -ertPP . h % - © o w £ 
9 ? > a i p S ^ S o -^ .2 p • a ^ g . -j | 

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2 § 2 §^ S ^, fl n ^ ° ° » « 2 n ^ a 

||s o > > 'i§§gsaa5*3'cDP'g^a 

pqpqpqpqpqpqpqcqpqooQOOOOOOO 



V, 



3 



lxvi 



STATISTICAL TABLES. 



bC 




fa 


O 




Sh 


1-5 


CD 


go 


r/j 






s- 


a 


3 


43 


o3 


O 


H-l 


1-3 



Ph 



o 

Ph 

3 

.2 

Sh 

o 



a 

Ha 



•-» £ 



pq 



o 

as 



3 - 1 






S 

P 



f£ 


o 


o 


o 


SH 


Si 

03 




Si 


S 


£ 


o 


O 
o 




o 


OS 


cd 


T3 


o 


>-l 


Si 




a 


03 


a 


Si 


ert 


m 


CD 


si 


72 


© 


fa 



o 

a 
o 

5 p 

m a 

o 
be 

a 

w 



02 

6 



03 


ft 


« i 


CD 




tn 


£ 


O 


i-» 



b0 


£ 


a 


o 








o 


'.a 




£ 


£ 


03 

03 


CO 
CD 


d 


i— i 

Si 


o 


03 


ja 


A 


H 


O 



O •* 



B 

a 

c3 
> 
O 

3 



o 

w 

ci 




o 
H 



fa 



5 ® 



P 

a 

C3 



ci 
P 

b 



fa 



.a 
o 

fa 



• ^ CD • 

B fl 3 ^ 



o3 ^ 



a 
o 

a 



b 
o 



a 
o 



a 

ci 
Sh 
fa 



2 
O 

B 
<1 



o 

pq 

S-l 

o 
o 

CD 

H 



X5 

O 

Ph 



o 

fa 



ci 

w 



fa <! ® 
pq «5 ^ 



-a 




e 


o 




o3 


Si 

o3 


CD 

CD 


a 


E 


CD 


GO 


r/j 


u 


03 

1-3 


go 


B 

a 


a 


CD 


o 


Si 

03 


03 
> 
O 


oa 

a 


az 




"i 


o 





GO 



^3 
03 

a 

•i— i 

H-3 
O 

Q 



CO 

6 

M 

H 



o 

PQ 



o 

PP 



Ph Ph 



S3 



ci 
fa 



O 

pq 



CD 

pq 



o 

Ph 



a 

Sm 

ci 

o 



a 
o 

oa 
O 

Ph 



o 
pq 



a 

o 

+-> 
en 

O 

pq 



a 
a 



a 
o 

-t-S 
GO 

O 

pq 



.s w 



Ph 
I — I 

'ci 
fa 



a 
o 

3 



CO r-H 

Oi OS 

00 oo 



CM 

CO 



CI 
OS 

CO 



rH T* 

Oi CI 

co co 



CN 

CO 



CI 

CD 

co 



CO 



a 



a 
a 

>-5 



ci 



m o P O 



a 

4 



a 
ci 

l-S 



£P a 



o 

pq 



o3 o 



ci 



a 
a 

1-3 



ci 



to 
c 
a 



CD 

Ph 
"oj 

a 
a 



Ph 

a 
o 



a 

P-< 



^ a 



s a 



a 
P 



P -2 

C o3 

a "G 



-a 

3 



O 



o 
o 

^3 



o ^ 

■^ CD 

^3 a: 

< Ph 

a a 



Ph 



■pi a 



CD 

s 
a 

o 



-a .s 



a 

CD 

P 



5 

"ci 
fa 



w IT 

<1 03 

"3 go 

S -a 



3 fa .n 



fa fa fa 



oi 
O 



a 

ci 

o 



.s 

"3 

o 

GO 

.S o 
"3 -5 

-l^> 03 

JSs 



^-i 03 *w cs 

H »h O 2 s- 



ci 



0) w © 

C5 O 



a 
pq 

'oS 

a 



Ph 

a 



ft 

a 

fa 

03 



Ph 



ci 
ft 



^ ^ P 



ci 
3 

a 

CJ 

o 



ci 
Ph 



^3 

O 



fa 



© o o o 



o 

a 

CD 

© 



«a 

CD 

a 

CD 

pq 



CD 

w 



> 

ci 

w 



STATISTICAL TABLES. 



lxvii 



•d g 

° p 

% P 

-t-3 • 



P :p 
cu ^ 

PQ £ 



a. 
o 

P 



S3 
O 

p 



bo 

p 
<1 



:d .2 .5 



fa 



c 

a 

CD 

pq 

00 

° .2 

.O 

S 
-1 





. 


p 




03 


o 




o 

o 


to 
p 

e3 


-A 


ti 


h-1 


o 


o 


rP 


> 


o 


P. 


rr; 


Jh 


a> 


4-1 


OS 


c/j 


o 


£ 


o 



3 

o 
o 

'a .2 



3 
O 
CL, 
5-1 

o 
o 

aj 

o 



p 

3 

fa 



Ph 



a .2 



o 
p 

CD 



.,-i N 



c 

eS 

CO 
CO 

a 
PQ 



p 

63 

p 

CD 

> 

o 

p 



p 
p 

bD 
03 

fa 



<D J_» ^T- 

bo 
P 
<1 



o 

pq- 



c 
o 

CO 

j« 
'oS 

fa 

X5 
O 
U 

03 



O 






O 
P 

3 

o 
o 



fa 

p 

.3 
O 
ha 



^ 




>> 


CD 




, 


J4 


5-. 


a> 
P 




O 


o3 

o 










P 
H 


CO 
<D 


u 

03 

pq 


a 
< 


-91 


fa 


.a 


<v 


■73 


P 


CD 


.p' 


a> 


rP 


CO 


-•-> 


s-< 


o 


O 


CD 


fa 


*~i 


hs 


fa 



CD 

73 



Q 

o 

S 
o 



O 



p 



o 

H 



CD 

o 



p 

o 

fcD 
P 

P 



03 

.3 



O 



■s A 



03 

> 
03 

O 



73 
P 
03 



O 
P 

73 S 



,p- co •** 

fa 



73 

O 



it! 


,0 


03 


be 


o 


O 


fa 
03 


P 
P 
o 


o 


o 


-4-3 


pq 


s 


<D 

bo 


03 


'Sb 


iti 


P 




P 


o 


< 


o 


P 



P 
-CD 

o 



2H <J 



fcD 



w 



03 
,3 
73 

O 

O 

O 

P 

o 



P 

GQ 

l-S 

P 
-P 

O 

1-5 



03 



P 
73 
J-i 
03 

o 



pc! 



CD Pj 

l> fa 



O 



a 

o 

CO 

O 

pq 



s p 



p 

o 

CO 

O 

pq 



p 

o 

co 
O 

PQ 



o 

CO 



o 
pq 



o 
PQ 



p 
o 
+-> 

CO 

O 

PQ 



> 



o 
pq 



bD 

!2 

"*vh 

,Q 

rP 
-t-3 

P 

o 

CO 



o 

PQ 



P 

o 

ao 

O 

PP 



03 



CM CO 

OS OS 
QO oo 



i— I i— t OS i— I 

Os os oo os 

00 (X) CO 00 



p 

03 

i-s 



fa p 



co 



3 



03 



p 

1-3 



CD 
fa 



P 
i-s 



p 

p 

i-s 



03 



< 



«*r cd ^ 

fi fa s 



o3 



|Zi 



fa 



P- 



P 
CD 

a 



T3 

P 
P 

© 



p 

<1 



bo 

c 



w 



<j .2 



p •« 



W <1 

? 8 

CD ^ 

o3 cp 

w 



73 

O 

o 



3 

00 

3 
O 



PQ 



c3 

a 

03 



pq 

eS 

N 
P 

03 



fa 



O 
CO 



o 

CO 
u 
o 

■C 

o3 

.q 

p 

03 



o 

p 

<o (> 

"o CD 

O CO 
CO «M 



PQ 

HO 

P 
o3 



03 
CO 



o 

CO 



fa 



p fa 1 



p 

a 

O 

o 

t> 
o 

p 

52i 



® -3 ►> 

^ S -3 



o 

CO 



3 



CD 

e3 

CD 



o 
p 

03 

00 

p 
pq 
p 

,P 
O 

o 



o 

CO 

3 
c3 



CD 

rP 



P fa 



CD 

p 

03 

pq 



o 

CO 

p 

03 



P 

O 

bo 

.a 

"oS 

fa 

+3 

p 

'o 
> 



pq 



o 



bD 
P 
P 
O 

P 
03 



bD <D 

03 p 

oo g 

© n 

?? p 



o 
co 

o 

3 



S =a 



o 

CO 



p 

c3 

a 



-d 


• 




ti 


£ 


p— 1 
03 


CD 






+J 


CD 




CO 


CD 




#F ^* 


o 


O 


CD 


CO 


fa 



3 
CO 



P >> 



.P ^ 



o 

CO 



>> 



.« O ;g 



CO 



17h o 



CD030303030303030303a>Kr^nJ3Si 
o3P5P3^3 — "ppP3P3^2S!r- ^> .2H T3 iS 



^3 
bD 



3 



cp 



73 

CD ^_ 

I I 

P 

03 



73 
S3 
P 






pq^ 



o 
fa 



c3 
P 



Ixviii 



STATISTICAL TABLES. 



H3 
OS 

.2 

o 

O 



CO 

6 

o 
H 





<*a 










na 


























B 










B 


























03 
s- 


as 

a 


S3 


• 


>> 


as 

CO 


as 






c 






O 






1 




• 


-u 


a> 




T3 


B 


o3 






03 




B 
o3 

OS 

(J 



•® 

B 
p 




• 


T3 




B 


>> 

s-l 

« 

Sh 

o 
w 

en 


S 

as 

CO 

s 

Sh 

03 
B 
O 


cs 
sh 

OS 

as 


^3 
cs 
03 

P3 

b 

rB 


as 

a 

rB 



. a> 
"5 


O 
O 

B 
03 
t-, 


* 
O 

H 
B 

CO 

3 
1-3 


rB 



CO 

as 

Sh 
03 


as 

Sh 

Sh 

e3 


'in 

Si 

03 

p^ 

B 
XI 


B 

B 
03 

W 

w 

B 

rB 


as 

Sh 

03 
O 


a 

> 

Sh 
03 
O 

B 
XI 


r£3 

cs 

'as 

CO 

B 

rO 


13 
O 

6 
>> 

Sh 
B 
as 


1 
1 


* 

O 
Sh 

m 

CO 

CO 

oS 




J 


Fn 


O 
t-S 


p 


M 


< 


.a 
O 


02 








^ 


OS 

t--i 


O 


O 




rB 




























C 






1 


* 




&►> 
























o3 


• 


Sh 






c 

is 

>-. 

Cm 


OS 

o 

3 

i-s 

Sh 


.a 

.be 

"2 
W 

W 

pi 

03 

Sh 

Pn 


B 
_as 

W 

CO 

03 


.B 
■»-> 

a 

CO 

OS 





Si 

w 


CO 

B 
O 

< 

Sh 


Is 

is 

as 

as 


"as 

CO 
CO 

S 


as" 

ri4 
Sh 

03 
O 

« 

rB 

a 

as 

CO 



Hs 


rB 

bo 

B 
O 

w 

CO 

03 


"»H 

53 

Ph 

a 



Ph 


"as 
> 

< 
as 

P 

as 


O 
Sh 

Sh 
03 
O 

CO 


O 

a 

"0 


p^ 

Sh 


1 


bo 

O 

cs 
as 

M 






a 

O 

rB 

H 


be 
be 
o3 


in 
O 

a 


03 

rB 


be 

Sh 
O 

as 
O 


6 
►4 


a 


rB 

H 


_o3 
1 


OS 

rO 
rQ 
<1 


B 
B 
03 


B 

rB 



t-3 


-h> 
CO 

as 

rB 
O 


l 


Sh 

as 

■4-3 

as 
Pn 


o 


































b" 


u 

o 


03 




























a" 


• 




CO 

O 


hi 


CO 
SH 

o 


as 

> 
o 


f— < 

CD 


5>> 

_B 


B 
B 


B 
B 


B 

S 


b" 

B 


B 
O 


B 

OS 


B 
as 

2 
'oi 


03 
as 

co 

"as 


B 
O 

CO 


B 
O 

CO 


e3 

rB 
OS 

B 
O 


B 
O 

CO 


PP 

rB 

3 




£ 


a 


O 


^ 


k> 


^» 


fc^ 


t>> 


O 


rB 


O 





O 


O 




«1 


1-1 


a 


Hi 


J 


h-1 


v-1 


PQ 


O 


PP 


pq 


CO 


pq 


CO 




tN 


"* 


OS 


cN 


CO 


T^ 


CO 


O 


CO 


»o 







CO 


CO 


■* 


■* 


CO 




OS 


OS 


CO 


OS 


CO 


OS 


00 


OS 


OS 


CO 


GO 


OS 


OS 


•"^ 


OS 


OS 


OS 


"oS 

s- 
o 


co 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


00 


CO 


co 


CO 


co 


as 


o 


ia 


CO 


10 


I-H 





10 


t^ 


CN 


t~- 


CO 


b- 


CN 


CO 


10 


I-H 


a, 


i— i 


I— 1 




CN 


CN 


CO 


CN 


CN 


CN 


1— 1 


1— t 






l-H 




i-H 




o 
o 

a 
i— i 


rd 


b 

03 


u 

Be 

< 


as 
B 

B 


Sh 
03 


B 
c3 

1-3 


as 


as 
CO 


as 


cs 
as 

R 


as 

as 

P 


B 
03 


> 

O 

Sz; 


rD 

as 

Pn 


-1-1 

p- 

OS 

CO 


-1-3 

Pw 

as 

CO 


> 


125 




































rB" 




































O 




































Sh 




































3 




































rB 


























^ 










O 


























B 










rl 




• 


• • 


• 


• 


• 


• 


• 


• 


B 
O 


O 


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CO 
CO 

< 


t^ 


• 


• 


• 


.2 

"E 
as 

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r>> 

rQ 

co 
as 

Sh 




• 


• 


• 


• 





• 


• 


• 


4-J 


B 


• 


4-i 

«B 
as 
B 
as 

pq 




• 


• 


• 


ru 




• 


• 


• 


• 


B 
O 
+■» 
c3 


• 


• 


B 
O 


.2 

"S3 


CO 
CO 


.2 
'G 


CO 


• 


cs 


CO 

+a 


• 


+^ 


B 
O 


rB 

as 

rB 










1— 1 


cs 


CO 
GO 

«? 

cm 
as 

"as 

B 
as 

a 
+j 

Si 

o3 
O. 
as 

P 
as 

Sh 
B 






-*-» 


< 


„ 


'S 


B 

OS 




E 
O 


03 


-t-J 

«4-H 


PS 


B 

.2 

"5 
o 


• 


a 

.2 

.2 
"S3 


d 

Sh 

O 

bfi 
as 


•l-a 

# as 
"as 



B 

.2 

o3 
"0 
O 


'0 


CO 
CO 

< 

00 



CB 
as 
B 
as 

PQ 
"3 


Cm 

.2 
'as 


B 

.2 

v> 

.2 
"E3 


CO 
CO 


B 

♦a 
B 

d 
O 



> 
as 
B 
as 

pq 

as 


as 
"0 


.2 
"cs 


CO 
CO 

< 


cs 


CO 
CO 

< 

«B 
as 
B 
as 

n 

'tS 

s 

B 

03 
IS 




O 

B 

.2 
+3 

03 

"5 





CO 

.® 

« 

*co 
Sh 

.2 

Sh 

03 

o 

u 


b 

03 

w 

be 

.5 

"a. 
'as 

w 

a 
3 


o 

co 

CO 

< 

.2 
"a? 
P3 

OS 

cs 

'0 
Ph 

"as 


U 

O 
cs 

B 
J5 
O 

"00 

as 

^3 

03 

hi 

t— 1 
o3 


CO 

-t-J 
«B 
as 
B 
as 

M 

"o3 
B 

as 

e3 

Sh 

Pm 

B 


CO 

<l 

•4-3 

« 
as 
B 
as 

W 

"S 

B 
B 

B 


fl 

03 

rB 

cs 
as 



"C 

*J 
03 
as 

J3 

H 

B 


B 
B 

d 
O 

as 

03 
B 

Sh 
[2 

as 
as 


+3 
B 
as 

a 

Sh 
03 
Ch 

as 
P 
as 

B 
as 
T3 


•va 
«B 
as 
B 
as 

pq 
"3 

B 
3 

s 

OS 

r B 


be 
d 

Sh 
PQ 

H 

d" 


co 
as 

B 
bo 

B 
+j 

O 
(^ 
00 

as 

CO 

B 

rB 

as 

oS 

CO 


CO 

< 

'tS 
B 

B 
as 

"b 

03 

rB 


«M 
OS 

"as 
P^ 

B 

+s 

S 

CO 

"S 

03 

rB 


CO 
CO 

«B 
as 
B 
as 

"3 

3 
3 

CO 








Iff 



p 


O 
hi 


B 


c 


C 


p] 


be 






Sh 




cs 


CS 


B 


B 




+3 

a> 
(J 


B 

3 


1-1 


1-1 


1-5 


o3 


03 


03 


03 


o3 


as 

a 


as 


as 





STATISTICAL TABLES. 



lxix 



CD 

cp 

CO 

p 


p 
o 


x) 


tin 


x] 


PQ 


rrt 


CO 




p 


3 




S 


a 


O 

£ 


o 
u 

p< 


CO 

S-. 
O 


S 


w 


o 
x\ 


CO 


CO 


O 


hh 


.a 


H 


.a 


Ph 


•-5 


CD 


CD 
1/3 
O 


m 

6 


CO 

O 
•-s 


d 


a 


U 
03 

O 



.P 

c3 



03 

CO 



P 

o 

CO 

a, 

a 

o 
xi 
H 

PQ 
6 



PQ 



P 
Xi 
O 
»-3 



-3 ' 

rP 

H 



o 

3 
Ph 



c3 



03 

E-i 



6X1 

P 



§ 
a 

cs3 
1-3 



Xi 



e3 

rP 



Ph 
03 
U 



o W S © 



CO 
T3 

hs 
O 

"5 

o 

p 
<! 




o 
H 

P 



o 
P 

CD 

H 



o 
o 



o 





CD 
>■ 

Si 


. 


_r 


CD 


CD 

a 

CD 


Ph 


a> 


o3 


^ 


■£3 


O 


CD 


H 


pq 


. 


03 


S-i 

B 


^ 


CO 




. 


Ph 


W 




Pi 


w 


w 


CO 
CD 




o 


w 




CD 


CO 


p-i 






CD 


bi) 


£ 


03 


03 


«1 


R 





O 


CD 
►Q 


-P 

o 


CO 


Ph 


£ 


03 
A 


CD 
O 



w g 

PQ 

r-H co 

03 

s 

o 
,R 
H 



3 



P 
O 

CO 

w 



CO 



Xi 

a 

03 



a 

03 

co 



O CD 

►: § 

6 W 



co 
O 

S-i 

O 

PQ 



03 



PQ S 



c 
o 

1-3 



.5P 

'5 

CD 
O 

M 



C3 

p 

*c 

03 

s 

OS 

PQ 



03 

be 



Ph 



w o S B 

O O CO 

a p p s 

•^ o3 o3 P 

Sh Jh Sh 

Ph eh pt| pq 



2 



a 

CO 

2 



p 
o 

+-> 
co 
O 

PQ 



o 
PQ 



PI 
o 

CO 

-a 

p 

H 



a 

o 

I 
Ph £ 



2 
tp 



T3 
CD 

PQ 

CD 



PQ S 



O 

PQ 



e 
o 
+-> 

CO 

O 

PQ 



a © 



03 
CO 



Pm 



p 
o 

co 

o 
PQ 



o 

PQ 



P 

o 

+-> 
CO 

o 

PQ 



o 

PQ 



CM CO 
CO t^ 



o 

Ci 
CO 



CM 

00 
QO 



oo 



o o 
PQ PQ 



o3 



CO 



g O 



B 
c3 



O 



i-s 



fcC 
P 
<1 



CD 
P 

l-S 



CD 3 

ft ^ 



o3 



p 

a 
i-s 



o 



p 



bo > 
P O 

<1 ^ 



fc 



P^ 



P 

9 



o 



03 

P 

c3 



O 
O 



a a 



p 

03 
X\ 



T3 



R 




O 


CO 






nS 


CD 


c^ 


a 


O 


u 


i/l 


03 


CO 


1* 



o 



.ts x 






3 
-a 

a 



03 

PQ 



ni HH 



r^< CD e 

"-J co "3 

o .2 



cu 



a 

g 



p 

P3 






o 

Pm 

T3 



^3 H Sh 

CD cL 

« \Z 

_ o3 

03 P 

a o 



PQ 





p" 
o 


<1 


P 

o 


. 


-1-3 

cp 






-t-s 


CD 






03 


P 
CD 

PQ 


CD 


o 


o 

CO 


O 

CO 
CO 



5-j o 



H 



PQ 



ca 



PQ 

P 

c3 



be 
Q 



£ fc ^ 



PQ 

P 

P 



° ~ Jrt 



l>> 



^3 
P 
03 


o 

CO 


p 

CD 

rP 


P 


p 

03 


T3 


P 


bO 


P 


O 


CD 


03 


<a 


(-4 




* 


* 


CD 


O 


O 


fe 


» 


fc 



S p 

o o 

CO • — 

CO +2 



P a? 

.2 B 

4J CD 

JS PP 

g "S 

co 03 
co O 
<J ^ 

'o3 

Ph 

p 

o 



o 
Q 



CC 



PQ 
'oS 

p 



p? s a 



o 

g 



O Ph 



o 
Pm 






P 

03 



o 



P 

co CD 3 

.rt *-< -i— 



o 
Ph 



P 
o3 

S-i 

Pm 

CD 
3 
be 
P 
03 

►Q 
CD 

T3 



< 


CD 


a 


T3 


O 






O 


Si 


"^ 


CO 


P 






O 


03 
3 
-i-a 


p 

CD 


CD 
CO 



p 2 



o 

CO 



03 

kQ 



P 

03 
'^, 
O 
> 



>, 



o 

CO 

p 



PQ 



ft 

CD 

w 



p. 

03 


'O 


^ 


P 
03 


o 


CO 
CO 


CD 


CD 


CD 
P 


bC 
O 



Ph Ph Ph 



Ixx 



STATISTICAL TABLES, 



o> 

a 
.1—1 

CI 

o 
O 



CO 

6 

pa 
pq 











3 






























fcs 






o 

DO 

3 

o 

Ph 












Sh 












d 






T3 

Sh 

o3 


a> 

4-J 


"3 


1 


d 
o 

Ph 


'3 

CO 


O 

o 


H 


^2 
Sh 
OS 

03 


'3 

CD 


3 
CD 
CD 
Sh 


tA 


d 


d 
o 

CQ 


o 

x> 
d 

03 


CD 

d 


Ctf 

u 

o 


o 


o 


is 

"oS 


£ 


1 


£ 


3 

pq 


^ 


03 

w 


tf 


o 

p^ 

CD 




Sh 
O 

f> 
o3 


o 

00 

d 

03 


03 

►q 


03 

Ph 


CD 

XI 

O 


CO 


e 
o 


w 


o 


cd 






w 


£ 


nq 


CD 

bfl 


>> 


03 


w 


Ph 


CO 


03 




,3 

s 


3 

,3 
O 


a 


o 

a 




Sh 
O 

o 


a 


6 

CD 

o 


6 

CD 

o 


Si 

o 

CO 

o 


XI 
CD 

s 


3 
CD 

w 


Eh 

H 


3 
XI 
O 


d 

XI 

o 

H-s 


4-3 

CD 

Sh 

< 


o3 




O 
CD 


£ 


. 


. 


. 


. 


. 


. 


CD 
Sh 

3 

•rH 

M 


. 


. 


■T3 


"T3 


. 


. 


d 


. 




CO 


0) 


>-, 


S 








Sh 








3 






03 




2 

ll 

Ph 


Sh 

Ph 

Ph 

3 


T3 

cq 
P 


cd 

s 

pi 


O 
co 

3 

2 

o 

P4 


CO 

05 
"o3 

o 

03 

CO 


oT 




CD 
CO 

O 
Ph 

pq 


o 

CD 
03 
Hs 

pa 


CD 
3 
O 

Sh 
03 
O 


O 

o 

CD 

pq 


O 

a 

o3 
Ph 


3 
P5 


"o3 
> 

d 
o 
H 


X> 
3 

pq 
< 


"3 

Ch 

a 

03 

o 




OS 

"5 s 

CD 

pq 


cd 


Sh 
CD 


«1 


d 

03 


M 


d 

03 


f> 


Pw 


CD 


S 


03 

3 
2 


W 


3 

CD 


.3 




03 

Si 

O 

M 


'ee? 


T3 

cd 

Sh 

En 


CD 

a 

o3 


Ph: 
03 


H 
Ph 


-t-3 

03 


co 
CD 


d 

CD 


CO 
00 

O 
Ph 


3 

CD 


3 
O 


03 

o 


r3 

Cm 

CD 

03 


Ph 
CD 
CO 
O 


c 


W 


































o 




T3 
































<s 


£ 


o 












^ 


















• 


o 
*1 


T3 
Sh 
O 
O 
3 


cd 
Ph 


O 

3 


o 


d 
o 

CO 


n 
o 

-1-3 
CO 


oT 

CO 

"3 


T3 
3 

J3 

s 


3 
O 
oo 


3 


3 
O 
co 


3 
3 


CD 


d 
o 

-1-3 

CO 


3 
O 

4-3 
00 


CD 

CD 

3 

CD 

Sh 


3 
3 




o 


cd 


£3 


o 


O 


O 


xa 


o 


O 


P^ 


O 


P*> 


o3 


O 


o 


03 


^ 




O 


£ 


a 


pq 


PP 


pq 


o 


Ph 


oq 


^q 


pq 


hJ 


03 


pq 


pq 


HH 


P 




oo 


CO 


co 


OS 


CM 


OS 


o 


CM 


t^ 


^ 


OS 


CO 


tM 


CO 


o 


CM 


fM 




t— 


OS 


CO 


00 


OS 


co 


CT> 


Oi 


00 


Oi 


00 


CO 


00 


oo 


as 


OS 


OS 


cw 

"3 

u 

o 


co 


CO 


oo 


CO 


CO 


CO 


00 


OO 


oo 


oo 


CO 


00 


CO 


00 


CO 


00 


CO 


SO 


<M 


,— 1 


O 


O 


l-H 


CO 


CM 


oo 


OS 


OS 


lO 


1—t 


t^ 


t^ 


o 


»o 


ft 


CM 


CM 


CM 


(M 


OO 


OJ 




CN 




r-H 


!-H 




i-H 




i-H 


CM 


i-H 


o 

o 


>> 


be 


>, 


Sh 


3 


th 


3 


> 


. 


>■ 


bb 


d 

03 


sZ 


3 


3 


CD 


CD 

£3 




3 


S3 


as 


a. 


cd 


3 


co 


O 


CD 


o 


3 


CU 


CD 


CD 


3 

•-3 


a 




<j 


JM 


< 


Q 


<1 


p 


» 


o 


^ 


<1 


«1 


P 


P 


Hs 






• 




. 


• 


• 


d 
o 

-fr-3 

'3 
o 

CO 


• 


• 




• 


• 


• 


• 


• 










• 




• 




" 


< 


• 


• 






• 




• 


* 


















o 


-1-= 

«d 

CD 








•*- 


























•2 

'3 


d 
pq 








<^ 












d 
o 






• 




* 


• 


o 

CO 


o3 


d 


• 




03 

3 


• 


• 


* 


* 




d 


w 


s 
o 


a 
o 


o 


"3 
o 




<! 


3 

3 


"el 






+3 

3 


3 

.2 


++ 


H>- 






P 

Sh 
O 

o3 
P 

4-i 

3 

CD 

3 

CD 

Ph 
CD 

T5 


§ 

s 


.2 
'3 
o 

DO 
CO 

«! 
«*H 

.2 
"3 
Oh 


"3 

o 

CO 
CO 

< 

4J 

<3 

cd 

c 

CD 

cq 


.2 
"3 

o 

co 

GO 

«*H 

.2 

% 
Ph 


4-3 

«d 
d 

a> 

pq 

6 
o 

>> 


*-. 

of 

*Sh 

a 


c 
» 

pq 

00 

d 

a 

CO 


"co 
03 
CD 
>> 

O 
'3- 

a 


O 
co 

CO 

<l 
e*H 

.2 

"3 

PS 

CO 


CD 

'3 
o 

03 

2 




Sh 

a 

-1-3 

CD 
'3 

o 

03 
CD 

3 


.2 
'3 
o 

CO 
CO 

< 

CD 
3 
CD 

pq 


d 
.2 

•2 
*3 
o 

CO 

00 

< 

•t-3 

«3 
CD 


CD 

'3 

o 

02 

d 

CD 

CD 

J-. 

T5 


*3 
o 

03 

"co 
CD 

"3 

03 






,_, 


co 


d 


03 


o 


d 


«3 


X 


Si 


_^ 


3 


3 


CD 


«i4* 


3 




o3 




«s 


Pi 




03 


f 1 


a 

CD 

u 

s 

3 
03 

o 

O 

Ph 




4-3 




03 




3 


CD 


o 


HH 




3 
3 

s 

cd 

"2 
'£ 

o 

Sh 

Ph 


44 

Sh 
CD 

O 

3 

"co 

'£ 
O 
Sh 

Ph 


3 

a> 

s 

cd 

Sh 

>■> 

O 

'3 
c? 


3 
03 

Sh 

CD 
> 

< 

a 

o3 
Ph 


o 
s 

bC 
03 
03 

C*H 

_cp 
"o 

Ph 


bfl 

3 

2 

+H 

o 
O 

*o3 

■i-> 

Ph 


Sh 

CD 

3 

p^ 

CD 

Sh 
CD 
> 
CD 

Ph 


>> 

3 

d 

CD 

Ph 

Si 

3 

,o 

o 

p^ 


CD 

O 

03 

< 

o 

Ph 


a 

3 
.2 

l-H 

>> 

o 

Ph 


3 
+i 

3 

CD 
Si 

o 

a 

03 
bfi 
03 
03 


3 

4-3 

a 

CD 
^8 
03 


3 

.2 
► 

03 
3 

'<£ 

3 
03 

CD 

03 


3 

.2 

03 

d 
d 

03 
CD 
03 


Sh 
CD 
'O 
Sh 

o 

4-3 

'sh 

3 

CD 

03 


C5 

o 

Sh 
CD 

x> 
,2 

2 

02 



STATISTICAL TABLES. 



Ixxi 









a 






4 
















CD 










3 
O 

U3 

u 
e3 

P 

d 


hri 
HH 


Sh 
CD 

l-\ 
03 

o 

«i 


t— 1 

■a 

CD 
O 

Ph 

p 

73 


CO 

03 

d 

© 

T5 


CD 
Sh 

O 

Ph 
o 


© 

CJ 

ej 

r3 

o 

03 

Ph 


3 
43 
CJ 
O 

PP 


d 

CD 

Ps 

_0Q 


CD 

a 

o 
ft 

03 
kP 


CD 
'S 

co 


Sh 
.2 

"o 

Ph 

h3 


►A 

Sh 
3 
CD 


*o3 
P 

Ph 


73 

d 

o3 
X 

CD 

< 


CD 

'o 

bn 


3 
03 
3 
_bC 
tn 
3 
O 

H 


.9 

Sh 
03 

r^ 

3 


73 
Sh 
03 

d 

Sh 

CD 

PP 


CD 

bfl 

SH 

o 

CD 

© 


P 

3 
rd 

O 
1-3 


a 

CD 

bo 

3 

P 


rH 
03 

p 


O 
ft 

o 

CD 

hP 


d 

CD 

Sh 

O 
P 


CD 

3 

d 

o3 


•CD 
Sh 

d 
< 


o 

CJ 

d 

03 


w 

d 
o 


CD 

3 

o< 

o 
03 
1-3 


d 

CD 

bD 
3 


Sh 
CD 

73 
CD 


73 

d 

o3 

CD 
rP 


0Q 
CD 

a 

o3 

H3 


CD 

Sh 

© 
< 


73 

'r* 

03 

P 


.2 

*Sh 
ft 
>> 

D 


3 
O 
03 

P 


a 

o3 

r3 

o 
d 
o 
o 

a 

.5 


OQ 

g 

o 
W 


o 

CD 

Tl 

03 

O 

W 


CD 

s 

►4 

d 

rd 


CD* 
43 

d 

03 

s 

< 


(h 

o 

Ph 

CD 
ft 


O 
73 
03 

43 

u 

3 
Ph 

H 


03 

d 
'> 

03 
hP 


Sh 

o3 

w 

l-B 

d 
o 


CD 

-d 

CJ 

d 
PP 


CD 

bD 

3 

o 


OQ 

ft 

3 
P 

73 

d 

o3 


3 
o3 

CD 
Sh 
O 

a 


CD 

r-H 

'3 
o 

Sh 
P 

P^ 


CO 

CD 

3 

CT 1 
CJ 

o3 

r-3 


d 
*? 

CD 

bfl 

d 

03 

►P 

73 


tA 

O 

P 


cT 

03 
3 
bfl 

© 
© 


« 

3 
O 

SH 
© 

P 


DO 
CD 

a 


CD 

bC 

Sh 

o 


rd 

ft 

CD 


ft 
CD 
OQ 

3 


o 

Sh 

13 


3 

4d 


o 
ft 

03 


Sh 
O 
CJ 


CO 
3 


73 
Sh 


d 
o 

73 

O 


73 
CD 

Sh 
«*h 


p 

d 


CD 

Sh 

«*H 


CD 

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d 

d 



H 

(J 

.2 
"3 



pq 

- — i 

03 



^ 



o3 



ed 



pq 

"el 

d 
<-> 
d 

a 

o3 

O 
CD 



S co 03 

Z^ r/i •>— " 



tf 



"d 



< S 



"c? -rt 



CQ 



CD '^ •*-! 



CD •— • u 
.§ fe S 



d 



a 

CD 
Sh 






^ 



d 



6 S 
d S 

o 



* 



o 



P5 

CD 

O 
Ph 



O 



^ 



3 

,'4 



bo 

d 
M 



d 

03 



h o pm pm I-; h 



d 
o 

CO 

d 

o 

a 
6 



h 



w 



CM r-l CM <-H 



O 

CO 



eq 
d 

03 



h> a 





CO 
CO 

< 


d 

03 


c3 


-u 


CD 




td 


-u 


M 


CD 


o 


d 

CD 


5-1 


.d 


Ph 


<j 


pq 


CO 



d 

CD 

be 

d 

o 



a 



■<d cs 



. o 

si 

CO s-h 
•° £ 

h d 
° o 

^3 CD 

<5 n 

-t-f a 
■*7 o 

"3 

P3 



« fn 



73 



te 



^ 



Ixxiv 



STATISTICAL TABLES. 





O 




co 


rH 


CO 


o 


>i 


fc 






•<?3 


I-H 

PQ 




<JJ 


C£> 


H 


K| 




r-a 




e 




S 








co 




to 




« 




5> 




^ 







tH 


i—i 


OS 


CM 


CO 


CO 


CM 


| 


t^. 


CM 


rH 


t^ 


b- 


1 


•o 


•WOT 






t— 1 






CM 


t—i 






rH 






o> 






in sqiBad 
































I OS 


io 


OS 


t^ 


CM 


1— 1 


o 


t^. 


s—t 


00 


i-H 


->*" 


CO 


00 


OS 


t—t 


u oo 


co 


co 


t-^ 


(M 


o 


t^ 


rH 




CM 


o 


00 


CM 


os 


CO 


«3 


2 a rH 


i— < 


CO 


CD 


rH 


CM 


CO 


o 




CM 


CO 




t-4 


CD^ 




t—{ 


»Q .,_. ** 
































a -g s 










CO 


1— 1 


o 












cT 


















1-H 












CM 






« o 
































ffi a> 
































ft 
































CO 

1 OS 


CO 


t^ 


OS 


rH 


t—i 


CO 


CM 


Tj< 


tH 


CO 


oo 


t>~ 


CO 




■rH 


5S S5 


•O 


CM 


i— 1 


CM 


CO 


CO 


CO 


l—t 


tH 


CD 


OS 


CO 


?—< 




«5 


£ a *- 


i— 1 


CO 


t^ 


rH 


I— 1 


CO 


o 




CM 


CO 




I— 1 


CM 


1 


l-H 
































8 * S 










lO 


r-l 


p-i 












o 


















f—{ 












CM 






rt <u 
































Q 
































■* 


t— 1 


r>- 


o 


rH 


OS 


CO 


CO 


o 


O 


rH 


t^ 


00 


CO 


OS 


■* 


OS 


co 




CM 


CNJ 


I© 


oo 


o 


o 


CD 


o 


CO 


lO 


OS 


CO 


o 


<E 2 


co 


rf 


1^ 


CO 


CD 


CO 


^M 


CD 


CM 


t—t 


OS 


o 


OS 


۩= 




۩> 






























<u 




CO 




CM 


CO 


CM 


rH 


CM 


OS 


i-H 


1—1 


OS 






(O i— 1 
W CO 

■< • 






I-H 




r—< 


r—{ 


CM 






rH 






CO 






<1> 
































ft 






































lO 


CM 


CM 


CO 


00 


CO 


CO 




no 


CM 


t-~ 


CO 


CO 




t^ 






SO 


lO 




CO 


t—l 


r-t 


rH 




CO 


co 


CO 


t—l 


CM 




CM 




<D 


t— 1 




i— 1 




CO 


^H 


°i. 




r-t 


CO 




f—{ 


°i 




€& 






6& 




cm" 




"*" 


CM 


Oi 


1 










o" 


1 






o 










CO 




lO 












o 






a 




5 
































H 


































s 




































































a> t» 

<n 3 


o 


CO 


OS 


t-» 


«T~: 


o 


T»< 




t>- 


Os 


rH 


rH 


rH 




*a 


o 


co 


o 


r* 


00 


oo 


CM 




lO 


OS 


t~ 


o 


rH 




o 


co 


CO 


°1 


CM 


°t 


OS_ 


o^ 




CD^ 


lO^ 


CO 


OS 


OS^ 




CO 


O * 


۩= 




r-T 




CO 


CO 


»o~ 


1 


i-H 


i— r 






id" 


1 


۩= 


^ 5 






rH 




CO 


CO 


t^ 






rH 








































m= 












00 


00 


CO 


1— 1 


CM 


^H 


CM 


CO 


00 


>o 


CM 


CO 


o 


CO 




-J 




.— 1 


co 


CO 


CM 


tH 


o 


CO 




»- 


OS 


CO 


»o 


lO 






0) 

r3 


1 


€©• 


CO 




°i 


»- 


^-t 


■— ' 




CO 






t--^ 


m= 














■* 


c<r 


«s" 












co" 








o 










rH 




»o 












t^ 






OS 




























۩= 






GO 


3 
































S3 


































3 


































CO 


OS 


OS 


1—1 


CM 


CO 


o 


o 


o 


CM 


00 


>ra 


wa 


OS 


OS 


I© 




CM 


t^. 


oo 


co 


co 


00 


CO 


^ 


rH 


o 


OS 


CO 


1*1 


CO 


». 


O 


S3 


t^ 


CO 


co 


CM 


CM 


1-H 


■«*• 


CO 


CO 


to 


CO 


OS 


OS 


€& 


CM 


o 




©§= 






























S5 


a 




co 




CO 


lO 


CM 




I— 1 


CO 






CM 






M 


CO 
CO 

a> 

CO 
CO 

< 






i— i 




CO 


CO 


t^ 






t—t 






o 

CM 








co 


t^ 


oo 


CM 


CM 


k£5 


oo 


CO 


00 


r-~ 


WS 


kO 


oo 


rH 




CO 


OS 


CO 


o 


OS 


I— 1 


o 


lO 


t>. 


1—1 


CO 


-* 


lO 


ira 


CO 




o 


» 2 

-M T— 1 

co 


co 


1— < 


°i 


CO 


°°- 


co^ 


t>^ 


rH 


CM^ 


T-t 


00^ 


CD^ 


^, 




T-t 


۩= 




of 




co" 


■*" 


Ci 


rH 


cm" 


t^ 


1— 1 


i—i 


oT 


1 


m 


02 i— 1 
to CO 






I— 1 






rH 


CM 






rH 






CO 






v 
































« 


































d 

.2 

"3 
o 




c 


d 


♦a 
Cm 


CO 
CO 

03 






d 

o 

<1-H 
•1-3 


p 

CO 




d 






d 

"co 

CO 




d 


0Q 

< 

«4H 
CD 


_e3 
"o 
o 

CO 
CO 


O 

d 
o 


u 






.5 

"o 
o 

CO 
CO 


< 

C4H 


a 

CO 
< 


.2 
"5 






< 

-1-3 

cd 




CO 
CO 


+3 


'O 


< 


'5 
o 

CO 


d 

CD 

o 




*~ 


< 


Ph 

d 

-k3 

d 


C4H 

CD 


o 

CO 




d 


C 
CD 




< 


.2 
"cd 


Ph 






d 
o 


C4-I 

.2 


'S 


"^ 




.2 


Ph 




cd 
CD 

d 

CD 

PQ 

"3 


o 

CO 
CO 

«i 

-4-a 
CR 
CD 
C 
CD 

Ph 

CD 

'3 
o 

CO 


3 

d 

-4-3 


'CD 

Ph 


CO 

< 

d 

CD 


o 

d 


*~ 


"-4-3 

_o3 
"o 


Ph 


3 


«4-l 

.2 




.3 

'o 
o 


3 
d 

+3 


< 




'oS 

d 

-t-a 

d 
o 

'3 

o 

CO 


*02 

CO 

< 

=4H 


-^3 

d 

CD 
"cD 


o 

CO 

CO 

<1 


"o3 

3 

-4-3 

d 


.2 

'3 
o 

CO 

63 

CO 


d 

-4-) 

s 


Id 
Ph 




CO 
CO 

<j 

n3 


d 

rd 


fc 


S 

"3 


'5 
o 

CO 

03 


03 

-4-i 


'cD 

Ph 

rH 

03 

13 


CD 

< 

1— * 
o3 

d 

CD 


o 

"3 

O 


CD 

'3 
o 

CO 

o3 


o 

d 
o 

CO 

03 


d 
d 

_CD 

'3 




• i-H 

d 
d 


03 

rW 

CD 

r= 

CD 

Ph 






o 

CO 

03 

d 
o 
+-» 

co 

O 

PQ 


03 

d 

o 

+3 

J* 
CD 

o 
u 

cq 


co 
co 
03 

a 

d 

CD 
CO 

03 

w 


o3 

CD 
CD 
d 
CD 
SH 

tc 

03 

rJ 


'3 -s 

"S'S'S 
op o 

CO t> CO 

03 P 5 " 03 


el 
SH 

Ph 

"co 

d 
o 

CO 

03 


CO 

03 

d 
.2 

+3 

o3 

rH 


r^ 

s 

$-1 

< 

+3 

be 


o3 

d 

CD 

rd 
-4-3 

d 
o 


CD 
O 

rd 

cc 

rd 
-4-3 

d 

o 

00 


o 

CO 

03 

rid 

d 

GO 




CD 

to 

r= 

s 

03 
O 


<IH 
O 

co 

53 

bo 

a 

03 



STATISTICAL TABLES. 



lxxv 



t>- 


CO 


CO 

i— i 


TH 


^H 


i© 


i-H 


«o 


CD 


TJH 


id 
cM 




CM 


l-H 


i-H 


>© 

^H 
i-H 


I 


I© 


CO 

1© 
os 


i 


co 


t-- 


00 


TH 


>© 


.-H 


1^ 


O 


tH 


(M 


»o 




rH 


CO 


t^ 


CO 




CO 


o 


CM 


i© 


o 


os 


l-H 


CO 


CD 


o 


CO 


CO 


^ 


os 




00 


CO 


"* 


oo 




CM 


CO 


i-H 


IN 


CM 


o 


l-H 


«5 


•<*< 


t-H 


CM 


CM 


i-H 


I-H 






CM 


t^ 


oo 




00 


o 












































CO 




tH" 
















i-H 








CM 


i-H 




l-H 


CO 

»© 




© 


CO 


o 




CM 


CO 


00 


tH 


CO 


CO 






t~- 


i-H 




OS 




OS 


CO 


i-H 


-* 


l-H 


CO 




O 


l^ 


o 


o 


lO 


-* 






00 


OS 




o 




o 


l^. 


CO 


°i. 


CM 


k© 


1 


CO 


CM 


t-H 


CO 


CM 


i-H 


! 






CM 


1 


°i. 


1 


OS 


o_ 




«5 




Hh" 


























CM*~ 

i-H 






CO 




CD 


00 


i© 


O 


CO 


»© 


t-~ 


CM 


OS 


t^ 


t^ 




CO 


tH 


co 


l© 




o 


t-~ 




CO 


CM 


CM 


t—t 


l>. 


b- 


^ 


co 


l-H 


CM 


CO 




lO> 


rH 


^H 


oq 




00 


CM 




00^ 


CO 


t-^ 


CO 


t>- 


<M 


l-H 


o 


00 


CM 


i-H 




^H 


CD 


»o 


■HH 




o 


o 




































1 






1 


«r 




i-H 




i-H 






iO 






pH 








r>H 


co 
co 




CM 


OS 
OS 

t© 




o 


I— 1 


CD 


I— 1 


CO 


CD 


CO 


CO 


o 


CM 


CD 




o 


CM 


CO 


CO 




i-H 


>o 


CO 


CO 


I— 1 


t^ 


CD 


os 


■HH 


I-H 


t^ 


to 


I-H 


00 




CO 


CM 


t-» 


CO 




00 


«© 


CO 


co 




CM 


(M 


TjH 


C3S 




r^l 


i-H 




CD 






I© 


I-H 


<HH 




CD 


o 




































1 








CO 




CM 


CO 














l-H 








t— 


CO 




OO 


CM 




CO 




























i-H 


CO 




€£= 


CM 




CO 


CO 


O 


o 


i© 


00 


CO 


o 


CM 


00 


IO 




i-H 


CO 


CO 


OS 




o 


o 




ira 


<M 


o 


CO 


I© 


CO 


o 


t- 


i-H 


CD 


o 




t^ 


o 


t^ 


co 




o 


1© 




co_ 


CO 


CD 


CO 


CO 


i-H 


I-H 


o^ 


t£ 


V© 


CM 




i-H 


l-H 


OS 


CM 




1© 












































1 


cd~ 




CM 




00 


CM 




c<f 


CO 




CO 






CO 


i-H 


OS 




I© 


CO 




CO 




















CM 










00 




۩= 


OS 

l©^ 

CM" 




CM 


i-H 


■«*« 


t^ 


(M 


co 


GO 


CM 


i-H 


«S 


CD 




OS 


CO 


OS 


o 




OS 


OS 




i— ( 


CO 


OS 


OS 


■* 


CD 




lO 




I-H 


CO 






i-H 


i-H 


00 




t^ 


o 




t>. 




^H 


CM 


CM 


t- 




CM 






OS 








CM 


o 




t-~ 


i-H 




































1 






1 


to 




<N 


CO 






















t— 


V© 




OS 


rH 




CO 




























i-H 


CO 




e& 


1© 




CO 


h» 


co 


■* 


tH 


CM 


O 


OS 


OS 


00 


t— 




CO 


CO 


O 


i-H 




OS 


Tt< 




t-» 


<M 


CM 


© 


CO 


CO 


CM 


oo 


CO 


CO 


CM 




OS 


t^ 


t^ 


CM 




Tt< 


oo 




00 


CO 


O 


CM 


CO 


OS 


l-H 


^H 


iO 


IQ 


i© 






rH 


"* 


cp^ 




■* 


°i. 




































1 








^ 




CO 


r— I 


OS 


t— 1 




CM 


CO 




O 






CO 


CO 


I©" 




CO 


cT 




CO 




















CM 










oo 




۩= 


1^ 

cm" 




rH 


■* 


^H 




00 


<* 


© 


T*H 


i-H 


rH 


i© 




o 


CO 




OS 




eo 


OS 


00 


CD 


t~- 


00 




1—1 


l-H 


<* 


CD 


•H4 


CM 


CO 




»o 


00 




CM 




CO 


eo 


CO 


k© 


CM 


o 




CO 


b- 


i-H 


lO 


00 


CM 


4© 




CM 


t^ 




T« 




^ 


CO 










| 


























1 








t^ 




l-H 




i-H 






tH 






o 

CM 










oo 

CO 

۩= 






OS 

o 

CO 




• 


• 


• 


• 




o 


9 
© 

Jp 

o 

p 

o 

4-3 

,2 


1 

o 



o 


• 


i 

O 


o 




• 


• 


• 




• 


• 


• 


• 


• 


p 
o 

© 
O 

Si 

PQ 


rP 



JO 

4-3 

.5 
"© 
o 


•IH 

'© 

o 

CO 
CO 

< 


Q 

p 
o 

."§ 
"o 


■© 
o 

CO 

CO 

< 





>> 

p 


u 

Pm 



.2 

.2 


p 

"© 
O 

CO 




^p 

"co 

CO 

< 

P 
© 


• 


" 




• 


• 


. 




* 

a 

Ph 

a 

o 
O 

-u 

a 
© 


a 

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co 

-1-9 

cp 

0) 

c 
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pq 


© 
P 
o3 

m 

CO 
4-3 
43 

© 

DO 

s 

© 
o3 

CO 


CO 

CO 

< 

P 
© 

73 

'© 
© 

3 


4J 

50 

CD 

CD 

pq 

l-H 

03 



-t-J 


l-H 


o 

o 

CO 
CO 

< 

CD 
S3 
CD 

PQ 

"ei 

p 


o 

CO 
CO 

<1 
-u 

cp 

CD 
P 
CD 

PP 

la 

s 


cp 

© 

p 

© 

pq 

Is 

s 

p 



"co 
CO 

< 

cp 
© 
p 
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m 

P 


'o 
o 

co 

CO 

< 

CP 
© 
P 
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pq 

I-H 

o3 
P 


CO 

CkH 

© 

"© 

p 

+3 

3 


73 

O 
Sh 

Oh 

73 
P 

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§^ 

S CD 




o 
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© 

> 

•H 

© 
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* 


o 

+3 

.2 
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o 

03 

co 
< 
© 




.p 

4-3 

"ocj 
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o 

a 

a 

o 


+3 

.2 
"© 
o 

C7D 


s-T 
o 
p 
o 

w 

tt-1 

o 


CO 

2 


© 


03 

CD 

Q 


co 
03 


43 

=3 


S 


4-3 

d 


*3 
P 


P 


P 


8 


o 

5H 

Pm 


4-3 




o 


4-3 

cp 


p 
.2 


+3 

>> 


«} 


s 


^ 


co E 


2 


S 


co 


^ 


3 


co 


o 


fe 


© 

4J 




© 

^3 


© 
p 


fa 


CO 


co 


co 


CO 


£ £ 


CO 


co 


^ 


CO 


co 


£ 


Sh 


CO 


co 


o 

Si 

fa 




+3 


© 


© 


o 


fc 


[£ 


* 


* 


o o 


£ 


fe: 


o 


* 


fe: 


P o 


© 


^ 


£ 




«4H 


pq 


P 


O 


O 


O 


O 


— - « 


O 


o 


• z^ 


. O 


o 


> S 


CO 


O 


o 




o 


p 

c3 


p 

o3 


co 

u 

© 


^ 


; — ; 


£3 


^ 


CD <D 


E3 


^H 


ShV 


z; z^ 


£3 


Sfe 


CD 


Z5 


; — ; 


fc^, 




(D 


0) 


© 


© 


<D 


^73 


CD 


© 


© © 


© 


O 


© 


© 


© 




o 


O 


.2 


IP 


fa 


fa 


fa 


fa 


fa 


. r-r. co 
<^ 2 

© T3 rP ^3 


s:Ph 


Ph 


© 


J-i 

o 


fa 


fa 


© 




p 




'C 


13 


73 


73 


73 


73 


73 U 


73 


St3 


73 


P73 


£ 


73 


73 


73 




_o3 


© 

a 


© 

a 


© 


73 


73 


73 


73 


73 


co ^-3 


CJr^JI-H^ 


73 


~T3 


73 


73 




^3 


-p 


o 


o 


o 


o 


o 


Q 


o 


O 


O 


o 


o 




o 


o 


£ 




< 


-4 


<! 


Q 



lxxvi 



STATISTICAL TABLES. 



•W8I 



I f-t 






I— I I 1— ( 



o 
If? 



1 


CO 


t~~ 




GO 


rN 




CN 




JO 


tH 


OS 


OS 


00 


CO 


i— 1 


r~- 


CO 




>* 


1— 1 




(M 





-=> .2" - 



<>1 



CM 

o 



—i oo 

tH CD 
CN 



co 

CO 

co 



o 

c?r 






■* 00 >o 

r- 1 CO l>. 

CO r-H t— 



■«*! r— I r— I 



CO CO 

< A 



2 

CI 

o 

o 



6 
< 



J o 



io .—I 

CO Tf< 

O CO 



<M 


tH 


<M 


IO 


CN 


OS 


CO 


-* 


i— ( 


CO 


<M 


CO 






<M 


t~- 


t^ 


00 


o 


<N 


.— 1 


00 


CO 


T* 


f» 


»o 


o 


(N 


00 


o 


OS 


o 


•o 




»o 


o 


o 


oo 


















■* 


CN 






CO 


CO 


(M 


CN 


OS 








^H 


eo 






t^ 

















OS 

c<r 

€©■ 



o 

o 

id 


CM 


CO 
CD 

co 




—i 


IO 



'O 



OS 


OS 


OS 


r^ 


o 


-H 


CO 


CO 


OS 



۩= 



w ^ 



GO CO 

<3 • 



o 

CI 



-!t« 


OS 


CO 


OS 


O* 


o 


■* 


t* 


*H 


I— 1 


CO 


o 


CN 


r^- 




OS 


-* 




CO 




co 



o 



T3 



1-1 


S3 


s-l 


O 






\J 


-u 




Brt 


c 




o 


O 








CQ 


o> 

Fl 


<1 


<J 


<£ 


to" 


fl 


T5 


<D 






fl 


00 


Jh 


03 


O 


H 



CO - 

<c .2 



fl 



,0. 


S-. 




CO 


o3 
D 




03 


co 


3 


u 


<U 


O 


<1> 

a 


3 

03 


o 


+* 


-l-i 


■m 


u 




S-« 


fl 


fl 


3 


o 


o 


O 


O 


O 


o 



w 



jo ^ 
"S .2 
•fl » 

3 

a 1 



5h H *i 



O 



O 

Ph 



o 



* 



3 
Pn 



o 





o 



* 

fl* 

o 



S O 



^ S3 «! 



i=! °-> 



a. >> 



H J ^ >% 



J3 ~ 



-u +a 



pL, pL, (Jh pM 



oi 


•a 
"3 


o 

fl 

03 


fl 


p 


^2 


'd 




<1 


03 


00 
OQ 

o 
o 




hJ 


fl 


c 


a> 


a> 


<u 


o 


■« 


TJ 


O 






O 


O 


o 


© 


© 



STATISTICAL TABLES. 



Ixxvii 



r-H 


t*» 


Oi 


I— 1 


1 


CM 


r-H 


IO 


00 


i 


1 


_ i—\ 


i-( 


O 


lO 


oo 


r-H 


CO 


*!*< 




co 












CO 










CO 




OS 


O 


r-H 


I— ( 




i— i 






















00 






OS. 

I-H 


TjH 


o 


© 


CO 


r^ 


co 


h- 


00 


o 


co 


oo 


CM 


oo 


00 


CO 


OS 


oo 


lO 


r-H 


r^ 


oo 


CO 


CO 


CO 


O 


00 


I— 1 


00 


to 


CM 


t^ 


o 


^H 


-* 


1^ 


00 


h~- 


orq 


oq 


«3 






CM 




CO 


1— 1 








Ttl 


CO 


i-H 


->*• 


t— 


CO 






































cf 


1— 1 


Oi 












b~ 










CO 




00 


OS 


CO 


r-H 




l— 1 






















l^ 






r—< 

r-H 


CO 


CO 


CO 


OS 


o 


t^ 


Oi 


o 


t^ 


CD 


1— 1 


CM 


CO 


CM 


CO 


OS 


o 


■* 


CM 


l^ 


Oi 


CO 


00 


►o 


HO 


o 


-* 


CO 


CO 


CM 


Oi 


>o 


1 — 1 


CO 




lO 


CM 


CD_ 


00 


O 






.— I 


1—1 


■HH 


t^ 








CM 


lO 


CM 


CM 


CO 


OS 






































o" 


1— 1 


lO 












CO 










t>- 




». 


CO 


CM 


r— I 




i— I 






















CO 






CM 

i-H 


CO 


>o 


,_, 


i-H 


^H 


CO 


CM 


•* 


CO 


CM 


CM 


t^ 


CO 


co 


00 


o 


'O 


CM 


CM 


co 


CM 


Oi 


CM 


co 


co 


Oi 


CO 


CO 


r-H 


r-l 


iQ 


Oi 


CO 


os 


l^ 


CM 


t^ 


CO 


00 


OO 


CO 


CO 


CO 


Oi 


Oi 


CD 




CO 




iQ 


co 


TH 


CM 


I— 


CO 






































m 


oo 
I— 1 


O 






CO 


i-H 














r-H 

o 

i-H 




OS 


CO 


CM 
OS 
CM 


r— 




^jj 


r-H 


Oi 


>o 


(M 


00 


CD 


CO 


CO 


oo 


lO 


CM 


t— 


© 


00 


►o 


»o 




o 


CM 


!>. 


o 


00 


I— 1 


lO 


CM 


o 


CO 


CO 


CD 


CM 


lO 


CO 


o 


o 




co 


co- 


t^ 


t^ 


CO 


00 


CO 


i—( 


CO 




>o 


CO 


l^ 


o 


OS 


CO 




1 


































lO 




CO 












i-H 








■* 


1— 1 




O 


f-H 


^H 


CO 




t-~ 












I— 1 










T* 




i-H 


00 


CD 


Oi 


o 


o 


>o 


o 


■* 


o 


CO 


o 






h- 


t^ 


"* 


r-l 


TH 


t^ 


O 


<o 


o 


cr> 


■*f« 


Oi 


-* 


T* 


»o 


o 






c^ 


r-H 


CM 


Oi 


O 


i-H 


co 


CO 


o 


O 


co 




iQ 


CO 


TH 


CD 








t» 


i-H 


Oi 


O 


r—l 


«o 




















| 


I 
















CO 


CO 


«o 










CM 


CD 










Oi 




CO 


lO 


OS 


CM 




QO 












lO 










OO 




OO 


->*l 


o 


CO 




CM 












I-H 










CD 

i-H 






oq 

CO 


00 


I— I 


00 


i-h 


r» 


t^ 


CO 


CM 


Oi 


Thi 


CO 


CM 


CO 


.-H 


CO 


1— 1 


o 


00 


CO 


o 




Oi 


CO 


t^ 


CM 


Oi 


CO 


Jr- 


CO 


co 


13 


r^ 


CO 


r^ 


CO 


t>. 


•o 


t^. 




Oi 


t^ 


00 


•* 


ia 


o 


i — i 


i-H 


CO 




OS 


^H 


I-H 


^H 


OS 


JO 






































Oi 




O 






i— 1 




i-H 


"* 








^ 


Oi 




OS 


CM 


CO 


CN 




CD 






















TH 




r-H 


t^ 


lO 


00 


00 


co 










Oi 


Th 






CD 


r-H 


o 


o 


CM 


o 


oo 






r-H 










CO 


lO 






t^ 


■* 


o 


Oi 


co 


»o 


CM 


Oi 


I-H 


CO 










T* 


l>- 








CO 


OO 


i© 


«o 


to 


«o 








1 


1 


| 


I 








1 
















CO 


■* 


I— 1 










CM 


CO 










o 


i-H 


-HH 


Tt< 


00 


^-1 




© 












CD 










OS 




00 


■* 


CO 


CO 




CO 












i— 1 










CD^ 
i-H 






oq 

co" 


Oi 


CN) 


io 


00 


CO 


00 


«o 


•«* 


Oi 


O 


CM 


CO 


<* 


CO 


i-H 


t^ 


t^ 


OS 


CO 


co 


Oi 


00 


CM 


>o 


»o 


CM 


». 


Oi 




Oi 


-* 


CO 


CO 


-* 


CO 


os 


lO 


Oi 


CO 


I— 1 


00 


CO 


"* 


i—i 


CO 


CO 




id 




lO 


o 


Tf< 


co^ 


CN^ 


l-H 






































O 


»>. 


»>. 






CO 


CM 














r-H 




1— 1 


co" 


"* 


CM 


i-H 


CO 






















OS 






i-H 


I— 

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^ 


















a 


















o 


















o 
o 




fc^ 














CO 

CD 


















a 




3 
3 

o 






r3 

3 








03 
P 






«t-T 
o 






r^ 


• 


• 


>H 


• 


•O 




• 


3 






• 


•O 


• 


• 


CD 


• 


• 


3 








, , 


3* 




En 








3 






> 






03 
3 




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3 
GO 


. 


o 

CO 


o 

J-3 

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• 


CO 

3 
03 

r3 

a. 
O 

3 

03 
O 






. 


C3 

CO 

.2 




*^ 


"a 
3 


. 


. 


r*> 

4-3 

.2 
'o 
o 

GO 

"eg 
O 


o 


Sh 

V 

5 

r— I 

«H 

<B 


co" 
d 

3 

.2 

"to 


p 

oo" 
6 

3 

# o 

'co 


O 

CO 

6 

3 

.2 

CO 


oT 
i— < 

c 

3 

_o 

'co 






3 
_o 

*3 
P 

3 

rH 

<u 
-1-3 


'e8 
> 

CD 

o 

3 
CD 
T3 
3 


3 

"oS 

3 

CD 

"oi 

SH 

Ph 

"oS 


o 

3 

o 

w 

«*H 

o 

CO 

CD 


o 
O 

O 

CO 

CD 


3 

rQ 

s 

3 

r— c 

O 

O 




CD 

B 
5 

3 
P 

CO 

03 


P 

to" 


Sh 

<u 

Sh 

o 


S 

CZ3 


p 


P 


p 


P 


T3 

? 




3 
O 


03 

+3 

3 

3 


CD 

P-l 
CD 

3 


03 
P 

t3 


03 


o 

3 

o 

w 


r3 
-4-3 

P 


o 

P 


"C 
03 
60 
3 
Sh 
S3 


r3 
Ph 

o 

CO 


co 
«S 03 

P 3 


CO 

3 
03 

3 


CO 

3 
03 

3 


CQ 

3 

03 

3 


CO 

3 

03 

3 


S 


'So 

r-3 


t— 1 

4^> 


3 
O 
V> 

03 


3 

03 
co 

-4-3 


3 
03 
co 


C»H 

O 

CO 

-t-> 


o 

CO 

-4-3 


O 

CO 
-4-3 


o 
o 


03 


<■* Sh 


fc- 


Sh 


Sh 




<D 


CD 


a? 


co 


3 


r3 


r3 


r3 


JS 


r3 


<D 


03 CD 

3£ 


CD 
JO 


CD 






a 

o 


s 

o 


3 


•4-> 


• rH 

'3 


'5 


'a 


bp 

'3 


.top 

'3 


a 


w 


w 


w 


w 


W 


3 


w 


W 


w 


3 


3 


3 


M 


M 


M 


M 


M 



lxxviii 



STATISTICAL TABLES. 



■*68I 



a -s 



I I I r-H CM CM O tH h I O 

i— I CO i— < HO 



l>- CO 

00 i-H 

l-H OS 



CM 

co 
o 



CO 

no 



jo .5" - 

a -s » 



tzi W) 



CO 


h» 


HO 


CO 


OS 


ho 


CO 


i— 1 


CM 


CO 


o 


00 


■* 


ho 


C<l 


o 


o 


1—1 


T* 


1—1 


T* 


OS 


i—l 


»o 


t^ 


CM 


■sH 


r— 1 


OS 


OS 


l-H 


co 








i—l 




CM 


CO 


o 


as 


OS 






1— 1 



OS 



o 

CM 



CO 


o 


■>* 


tH 


o 


CO 


OS 


o 


OS 


"O 




"* 


■<*• 


t^ 


I— I 



00 CM CM 
O CM O 
00 CM 



73 

.2 

O 
O 



6 

w 
w 
H 



h^ o 



GO t— 

HO CO 

"*! ^ 

i-T co" 



-H/i i—i 
Tf< CM 

CM i-h 



O 
os 

CM 



O 



CO 


CM 


t^ 


o 


o 


l-H 


CO 


CO 


co 


l—( 




I—I 



CO 



o 
o 
o 



HO 



o 
o 
o 






HO 

cs 



i-T co 



o 


■■sH 


«o 


Tf< 


OO 


OS 




00 


CM 



o 

CO 


© 

OS 




CM 



to 

P, 



CO t— OS 
i—l HO i— I 

CM CM 



r— 


HO 


© 


os 


>(0 


o 


00 


HO 


OS 


I—l 


CO 


CO 


fc>- 


© 


^H 



°1 

HO 



3 

S 

o 
o 



►J 



* fee 

•s 3 

+2 cT.. 



« 5 



fee 

13 

o 



<} < 



c3 

.2 
•B 

13 

>> 

o 



o 

CD 
bfi 

13 

O 

-a 

d 
kj 



.2 * « 
-tJ - T< •-" 



o 

c 

CD 

13 



c 
e3 



fcC 

p 

c3 



fcD 

a. 

o3 



o o o 



S 

a> 

H 

13 
O 

o 
O 



a 

^5 



O 



c3 

O 
hH 1 



o3 
O 



PQ 



a 
P 



3 






& < < 



13 



T3 

To 



o ^ 



01 
03 

'fcC 
C 



p 

a 

3 -S 
t- 13 

5 ^ 



P4 



S 

.2 
o 



CD 
^3 

t|H 

o 

s- 
CD 

Jh 

o 

13 



J2 T3 



> 

1=3 



O 



<D 



P £ 





2 


13 

o 
o 






(»> 


^3 


03 


en 


0) 


!H 
OJ 


^ 


o> 


fl 


ja 


o3 




1-) 


4^> 


&D 


«w 


O 


<1 


&H 


o 


w 


a" 



o .s .s .S 



a fc Jz; 



o 2 



e3 






04 



S3 



STATISTICAL TABLES, 



lxxix 



rH 






00^ 

I— 1 


H 


1 


O 




r— ( 


1 


1 


l-H 


i— i 
© 


© 

CM 


© 
© 

CM 


© 
00 
CM 


CO 
CO 




CM 




© 


00 


OS 


t-^ 


CO 


CM 


»c 


-* 


MS 


CO 


CO 


tH 


i—i 


>o 


CO 


lO 


Tt< 


t^ 


00 




I-H 


<* 


r~ 


o 


OS 


O 


t^ 


00 


00 


OS 


CO 


i—i 


i—i 


CM 


© 


© 


00 




tH 




»o 






CO 


CM 


CO 


o 






I— 1 




•-H 


© 


^ 


CO 


© 


















































r-T 






© 

i— i 






CO 












t^ 




i-H 


I-H 


l-H 

00 

© 








10 




© 


CO 


!>. 


CO 


as 




GO 


o 


© 


CO 


00 


CO 


CO 


CM 


h- 


CM 


© 








lO> 


CM 


■* 


00 


CM 




OO 


o 


CO 


CM 


>o 


I— 1 


CM 


T*< 


t^ 


CM 


■* 




1—1 


1 




T* 


CM 


1—1 


O 






CM 




i—l 


"* 


© 


l>- 


-* 


CM 
















































i— i 






00 
r-H 






Tt* 












t^ 




© 
CM 


CO 


© 








CM 


CM 


CM 


OS 


tH 


Tfl 


o 


CO 


lO 


OO 


o 


OO 


00 


CM 


^H 


CM 


t^ 


t^ 


© 




T* 


Ttl 


CO 


CO 




CM 


-*l 


co 


CO 


OS 


CM 


CD 


CO 


© 


l-H 


© 


t- 


<M 


CM 




CO 




I— 1 


© 




co 


t- 


CO 


t- 


CO 


i— 1 


CO 


oo 


© 


CO 


o 


© 


€^ 


ca 












































1— 1 






CO 






<M 




1— 1 


CO 






t^ 




© 

i-H 


CO 
00 


© 

00 
CO 

i-H 




i-H 




© 


t^ 


-* 


h- 


00 


OS 


CO 


^H 


lO 


o 


OS 


© 


tH 


r— 1 


© 


00 


CO 


t» 


CM 




i— 1 


i— 1 


CO 


O 


lO 


co 


!>. 


o 


1— 1 


CM 


CM 


© 


co 


l-H 


© 


© 


i-H 


>o 


OO 




©_ 




CO 


tH 


t^ 


T« 


-* 


CM 


T*< 


OO 


00 


O 


© 


»o 


OO 


© 


i-H 


۩ 














































oT 






CM 

© 




1—1 


CO 












CM 


i-H 


© 

r-H 


I© 

00 


© 

i-H 
©^ 
i-H 

۩- 








00 


b- 


o 


© 


CO 


■«* 


o 


■* 


^H 


CM ' 


o 


00 


CD 


CO 


© 


© 


tH 


© 


h» 




-M 


i— 1 


lO 


o 


t^ 


oo 


IQ 


CM 


i— i 


CO 


CO 


CO 


co 


W5 


© 


© 


© 


CO 


t>. 




b- 






co 


CO 


P-H 


CM 


CM 


|Q 


■* 


CM 


I— 1 


© 


© 


VO 


© 


OO 


33= 


i-H 












































CO 






© 

co" 






co 

CO 












l-H 

l-H 


© 


i— 1 


CO 


© 

00 
l-H 

co~ 

l-H 








© 


^H 


Tin 


lO 


o 


OS 


CM 


i—i 


CO 


co 


o 


CO 


I—l 


© 


CM 


CO 


»o 


^ 


© 




o 


(M 


t>- 


>ra 


CO 


t— 




CO 


00 


o 


CO 


1—1 


T* 


>o 


lO 


© 


© 


lO 


© 




© 




CO 


t~ 


CO 


lO 


OS 


t^ 


t>. 


^ 


l-H 


00 


»o 


T* 


© 


CM 


© 


€©• 


CM 












































CO 






o 




1—1 


r— 1 






1—1 


r-H 




© 

CO 


F- 1 


CM 


© 
00 


00 








_, 


(M 


lO 


o 


CO 




CO 


o 










CO 


i-H 


CM 


t^ 


OO 


CO 


CD 




*rt/l 


«5 


© 


CO 


t^ 




■* 


CO 










1—1 


T« 


-* 


© 


© 


Tfl 


© 




°i 






©^ 


F— 1 


1 


eo 




| 


1 


| 


1 


lO 


l>- 


00^ 


©_ 


© 


۩= 






CO 






©~ 

© 
i— 1 






cT 

CO 












i-T 


<3i 


© 


co" 
oo 

U3 


as 

CO 

oo 
co" 

i-H 








CM 




t^ 


i—l 


»o 


oo 


1—1 




i— 1 


t>. 


os 


co 


T(H 


© 


© 


lO 


l-H 


i^ 


CO 




-* 




o 


OS 


o 


CO 






r— 1 


I—I 


OS 


■* 


co 


00 


l-H 


m 


lO 


I-H 


■HH 




CM 




1— 1 


(—1 


CO 


CD 


CM 




OS 


CM 




CM 


oo 


t— 1 


OO 


t^ 


"^ 


€& 


© 






| 












































1— 1 
1—1 
CO 






r-l 




l-H 


CO 






«5 


I-H 


t^ 


CO 

© 


l-H 

CD 

i-T 




i-H 






















l-H 








































»o 




0(f 




















•» 
















1—1 




CM 


















. 


a 














„ 


6 


d-T 


CM 


. 


. 


. 


. 




9 


. 






oS 














CO 


o 




















OS 
"£ 


a 
o 














CM 
6 

ca 
bo 


CD 

bC 


u 

CD 

V 


o 

CD 


9 


m 


. 


, 




3 


3 

.9 

+3 




a 
< 


02 








t4-T 

o 




S-i 
O 

CO 

,3 

C»-l 

o 

CO 

Si 
CD 

.a 
be 
3 
o3 

P 


T3 
O 


o 


bo 

T3 
O 












O 

.2 


•S 
"ca 
O 




o 

*oa 

•n 
< 

6 
o 

<1 

OS 

fa 
^co 


3~ 

"to 
w 

< 

ft-, 

<D 

'3 

Ph 

*cS 
3 
+i 

2 

co 


.2 
"o 

o 

03 

•® 


* 

a" 

3 

03 

o 


s 

CD 

o 

CO 

<a 
u 
O 

"el 

O 

Ph 


u 

<D 

T3 

u 

o 

3 

03 

_o 

"S 
ca 

a 
< 

CO 

b 

oS 


O 
u 
<o 
t3 
u 

O 

CO 

C 
.-5 


O 

h^ 

3 
O 

IS 

#— « 
CD 

bo 
o 

<D 

O 


CO 

3 

.2 

"S 

fa 

CD 

be 
s- 
O 

CD 

o 


3 

ca 

a 

CD 

3 

l-H 
CD 

be 

o 
ca 

© 

4J 


hH 

ca 

03 

a 
'5 

Sh 

ca 

bo 
u 
o 

CD 
© 


CO 

ca 

'a 

o3 
,3 
ca 

CD 

3 
03 
ca 

CD 

a 
<^ 

<b 

CD 
-t-i 

"3 


CO 


CO 

3 
.2 


3 
ca 

s 

M 
u 
o 




"o 

o 

CO 
CO 

< 

.2 

"CD 

« 

'el 

3 
-i-i 

3 

a 


CO 

CO 

< 

Cl_ 
CD 

Ph 

CO 

3 

CD 

a 

ca 

Jh 
fa 




ca 


ca 

a 

CD 


ca 
Ph 


-5 

"eS 
>> 

O 

Ph 


o 

,3 

co 

o 
ca 
02 


o 

,3 
co 
*j 

O 
ca 

73 


T3 

C 
03 

CO 

3 
O 
02 


02 
e»_ 
O 
to 
3 
O 
02 


02 

o 

co 
3 
O 
02 


02 

Cii 

o 

co 
'3 

O 
02 


02 

C)H 

O 
to 
3 
O 
02 


ca 
fa 

"S 


Sh 
fa 

Ti 

CO 

'3 
P 


-a 
ca 

'3 
P 




3 
oS 
ca 

"C 

ca 

e 


3 
O 

bb 
3 

1h 





lxxx 



STATISTICAL TABLES. 



ill sqjaaci 



<U _ l-H 



a -s 



CO I CM CM O CO CM CO I I t> -?H i-H I 

CM i-i 



co 


lO 


00 


•*H 


-*• 


00 


CM 


CM 


CO 


«5 


© 


CO 


T* 


CM 


m 


C5 


GO 


CO 


Tt< 


?— I 


t^ 


CM 


t— I 


t>. 


1— 1 


en 


CM 


TH 


00 




CM 


t* 


!>• 


CO 


OS 


i— I 









a ■« 



o 


OJ 


OS 


Cs 


CO 


r— 


-* 


co 


o 


o> 


lO 


Oi 


T* 


00 


1— < 


1— t 


T* 


co 



rH 


00 


CM 


t^ 


t^ 


<M 


O 


OS 


CM 


tH 


l-~ 


-*« 


I— 1 


CO 


T* 


fM 


►O 


05 


CO 


o> 


C5 


t^ 


»o 


o 


lO 


Oi 


Oi 




CO 


OS 


CO 


O 


CM 


»o 


CM 


t» 


OS 


tH 


lO 


CO 


CO 


.—I 


»o 


00 


CO 


CO 


t>- 


CO 


€fr 
































OS 




CO 


CM 


<M 






o 


CM 




OS 


CM 


i—l 




>o 


















i-H 


«3 




t^ 











S3 
.2 

a 
o 
O 



6 

s 

l-i 

PQ 



O °3 



CM 



CM ^ 



€fr 



CO 

CO" 



CO 
CO 



3! 






00 



CO 



CO 



© 



OS 



oo 


t~ 


CO 


CO 


o 








00 





۩= 



OS 


co 


CS 


"* 


CM 


CM 


O 


CM 


«o 


CO 


■— 1 


CO 


CO 


co 


^H 


»o 


CM 


o- 


t^ 


ir^ 


I>- 


Tf< 


t* 


00 



CM 

CD 



Pi 




o 


a 




o 


a 




c> 


oj 


o 


o 




o 



«C 



PQ 



"-£» «!_ <1 

C3 <p 



«i 



PQ 



PQ <! 



PQ .2 



W 5 



O 



£ 2 S 



■s a 



CD 

03 



En 



5 c3 



a a 

£ CD 



c3 


CD 

cB 


En 


En 


£ 


n 


>> 


t^ 












44 


CD 


S-l 

CD 

> 


\-i 


c3 


<D 


<D 


< 


PQ 


PQ 


PQ 



CD 

g 

fl 

OS 

H 
O 
co 
O 

PQ 



pel 



£ 72 .2 
CD «t* •— ' 

PQ 



to 

e3 

CD 






c3 



tC O 



.S >> 






73 

a 

03 



03 

O 



(^ 



•*2 CD o 



ft, En pn i_q 



a 
o 

o 

PQ 



o 

n 
o 



CD 

5 

CD 

S3 

o 



o 
Fm 

a 
o 



PQ 

"o3 

a 

<-■ 

3 



o o o 

PQ PQ PQ 



PQ PQ PQ 



H H 

e a 
o o 

-t-s ■•-> 

in CO 

O 

PQ 



o 

02 



o 

PQ 



CD 
P^ 



En 

c3 






P3 

a> 

a 



s f^ 



CQ PQ 



STATISTICAL TABLES. lxxxi 




CO 


o 


o 


00 


ire 


I-H 


t^ 


ire 


r- 


CN 


o 


-* 


r-H 


OS 


ire 


os 


CO 


i— ( 


<N 


CO 


o 


<M 


CO 


OS 


















o 






oo 


CN 


I— 1 


<N 


CO 



o 


<M 


T* 


CO 


OS 


cn 


i— I 


CO 


OS 


CO 


00 






-* 


00 



CO 


CO 


OS 


CO 


i— 1 


CO 


OS 


CO 


CO 


u.) 


r— 1 


l>. 


(M 


i— 1 


lO 


CO 


CO 


I-H 






t— I 




<M 


OS 


i-H 




00 



CO 00 O OS <M 

!>. 00 O OS CO 

00 t^ O 00 CO 

i-T o* © 

CM i-H 

00 



ire 


Tt< 


o 


ire 


CO 


I— 1 


CO 


CO 


i-H 



os ^ t>- co oo r^ 

OS (M OS <N CO 

ire as o o 



CO 


CO 


f— 1 


lO 


00 


oq 


OS 


o 


OS 


CO 


O 


ire 


OS 


CO 


CO 


(N 


00 


(M 


CN 


o 


t^ 


■* 


ire 


I-H 


CO 




t^ 




cs 


CO 


1— 1 


l>- 


OS 


CS 


ire 


OS 



TH I-H I-H 



"* 


TH 


CO 


o 


OS 


OS 


CO 


OS 


-# 


I-H 


CS 


ire 



OS 


o 


-* 


ire 


o 


OS 


O 


ire 


00 


T* 


CO 


ire 


<M 


»o 




iO 


oo 


CM 


i-H 




I-H 



C<J 00 t^ !>. O © CS 
tH i-h «o C<l ire t— rr< 

Oi— ii— it^^oe^oco 



CO T* 



H ' 



CO 


00 


00 


t^ 


CO 


ire 


CO 


"<rH 


r-- 


C5 


o 


C<I 


<M 


t^ 


o 


CO 


co 


oc 


CO 


Tt< 


CO 


OI 


CO 


I-H 



- o • a §3 • s - • • • • 

.2 os +3 a ^ S3 



a 



S3 -.8^2 -J • • * • § 
o 



d™an'vE5.~.-£* ess: 

J 2 3 3 i I I § 1 • ' ^ • | • • a ^ -I 

« ■ « ■ ■ s 2 § - 1 j | < § ■ € s s ■& J • s J 2 

SS 3 °3«>+3<j.2«8s3!rS^'rt ^ *^h 

-2 5 -g "S s 1 ^ « r\ « £ § M « g « .2 - ro - •* » 

iHT5H52 <D eMa ?°ccii-i'Hi3cBs: ca S<JQi 

I 5 -s s & -s « -2 « & S ^ ^ "S o p p s 



o> 






o 


<D 


o 


o 




> 


a 


a> 




S3 


02 


<D 


<1 


W 



a) a 



8 s a a a $ % ■§ « ■§ 5' a a ^ a - § « 1 s a ■•§ 

WpHOOOOOOOOPOOPfepM^IJ-iCDO 



lxxxii 



STATISTICAL TABLES. 



^3 

a 
o 



6 

Hi 







1 


1 


1 


CO 


1—1 


i 


1 


i 


CO 


1 


i 


l— 1 


i 


! 


i— i 




f68T 
































HI 


sqiBaa 
































1 


r* 

OS 


CO 


«5 


>a 


CO 


CM 


Oi 


IO 


00 


00 


»o 


rH 


t^ 


Oi 


CM 


Oi 


S-c 


00 


CM 


i— i 


to 


I— 1 


i— I 


t^ 


iO 


»o 


CM 


CO 


t^ 




>o 


CO 


rH 


.Q 


St rH - 








1—1 


i— I 






t— 1 


CO 










1—1 




B 

0> 


-S *? 
































g 


Q 
































t 


o> 


CO 


o 




rH 


»o 


o 


o 




CO 


1—1 


00 


co 


t^ 


»o 


00 


!h 


00 


cm 


rj< 




!-H 


o 


OS 


rh 




Oi 


CM 


00 


(M 


o 


oo 


CO 




a ■"! 






i 


1— I 


^H 






1 


CM 








1— ( 


I— t 




E 


!3 "— < 
































3 


Q 


































rH 


-rH 


00 


o 


I— 1 


o 


00 


tH 


1—1 


Oi 




CO 


O 


Oi 


ir^ 


00 




OS 


»o 


r^ 


rf< 


CO 


<M 


tH 




o 


-* 




CO 


CO 


GO 


rH 


CO 


-2 ! 


۩= 






lO 


Oi 


°i 






1—1 


. 






rh 


CO^ 


CM 




V - 












co" 
















i— 1 






X) 1— 1 


































a co 
































«! 


































OI 


































n 






































CO 


00 


■* 


CO 


O 


t^ 


oo 


o 


■^ 


o 


o 


1—1 


Oi 


Oi 


co 




J* 


Oi 




t-~ 


»G> 


CO 


o 


«o 


04 


CO 


CO 


oo 


CM 


Oi 


CO 


rH 




<p 


m 












CO 








r— 1 




CO 


CM 


i—i 




J3 


































































to 


O 














^ 


















w 


£3 


































<J 
































H 




































































Q 


































!5 


• 






t~ 


CM 


t^ 


o 




Oi 


CO 




o 


CO 


CO 


Oi 


OO 


« S 

O o3 






o 


rH 


I— 1 


>o 




00 


CM 




Oi 


CM 


o 


l>- 


CO 


1 


1 


1— < 


oo 


■* 




1 


CM 


Oi 


1 






Tt< 


•* 




3 o 


































O "2 


































* § 




































O 


oo 


o 


o 


00 


^H 


1—1 


CM 


O 


o 


Oi 


Oi 


t^ 


i—i 


co 






1— ( 


1— 1 


CO 


CM 


tH 


rH 


t~» 


O 


O 


CO 


CM 


rJH 


00 


CM 


en 






I— 1 










»o 


CM 












iO 


i—i 






۩= 


























i—l 




n« 


o 
































Oi 


































00 

I— 1 


3 
































% 




































































to 






I— 1 


t^ 


Oi 






CO 


00 




00 






i—( 


rH 


a 
B 






Oi 


t-~ 


00 






o 


CO 




o 








CO 


o 


1 


1 




CO 


CO 


1 


1 


CO 


Oi 


1 


CM 


1 


1 




CM 


M 


01 

4) 

09 
CO 

«1 


































eo 


O 


00 




cm 


o 


CO 


i— 1 




00 




CO 


00 


Oi 


CO 


Oi 




OS 


rH 


CO 




CO 


CO 


r— 1 


Oi 




Oi 




CO 


CM 


o 


r-~ 


rH 




_ 00 


€©■ 






»o 


Oi 


»c^ 














t^ 


Oi 


i—l 


■ 


-3 

1> _? 






i 






cxT 




1 




1 














g CO 
































« 


si o 


































« 


































Q 




















































































^ 








£ 






M 






. 


. 


. 


. 


. 




. 


^ 


. 


e 


. 


03 

s 

c3 


. 


£ 


03 

O 






• 


•1-3 

© 
O 


• 


p 
o 

+3 

£ 
'© 
o 


S3 


a 

00 
09 

< 
© 

"© 
P^ 
•+J 

S3 
© 

a 

u 

eS 
Oh 
© 

P 


(3 

.2 

•2 
'3 
o 

Q0 


d 


B 


• 


• 


CO 

© 

PQ 

-t-3 

03 


• 


■+3 
© 

'© 

o 

CO 

a 
© 

pq 


P 

P 
© 
> 
© 
CO 
Cm 






P 

.2 

H 
'5 
o 

CO 
CO 

<J 

P 


GO 

a 

.2 
"5 

-t-3 

1— 1 

p 
o 

+3 

bo 


.2 

+3 
OS 

°o 
O 

CO 
CO 


CO 
CO 

«! 
+3 
en 

© 

p 

CD 

pq 

"o3 

s 

+3 


o 

"S 
o 

CO 
CO 

< 

< 


GO 

CO 
© 

© 

PQ 
© 


"co 

CO 

<J 

S3 
o3 

W 

to 

g 


.2 

_o3 

'o 
o 

CO 
CO 

< 

-1-3 

p 

© 

12 

© 
© 

<1 


CO 

© 

-(-3 

•S3 
'© 
o 


o 
o 


© 

© 
P 
O 

P 
P 


t © 
"© 
o 


p 

03 

•2 


O 

CQ 

»H 

03 

+3 

GO 






.2 
l— l 


.5 
13 

c3 


IS 


© 


© 


"© 
W 


QQ 

CO 

< 

12 

^3 
© 

CO 

3 
O 


© 

■P 


© 

o 


CO 
s- 

o 


"p 

OS 
^3 
© 


-1-3 

.2 
"o 






2 

03 


© 
O 

05 


03 

3 
© 


© 
© 

a 

S3 
CO 


cu 
O 


© 

CO 

© 

o 


13 

© 


13 

© 
> 

03 


T3 
O 

o 
© 


o 

!H 

m 
i— i 
© 

03 

Si 


of 

P 

13 


03 

P 
.2 

"5 


© 

p 


o 

CO 

P 






o 


o 


O 


3 


5 


5 


W 


w 


w 


W 


0Q 








■4-3 



STATISTICAL TABLES. 



Ixxxiii 



i •— • i i i 



CN I <M 



©CNCN-*©*OCOOSOCOCN 
i— I CO i— I CN CN CO CN i— i CO »0 -*< 



CO 


O 


OS 


CO 


o 


CN 


co 


CO 


CO 


© 


CO 


CN 


CN 


t^ 


OS 


OS 


OS 


aj 


CM 


CN 


co 


CN 


o 


t— 


i— 1 




OS 



O 00 OS 

GO CO >0 

CO i— ( iO 



h~ 


CO 


CO 


o 


I— 1 


»o 


CO 


CO 


<N 


o 


CO 


I— 1 


I— 1 


CO 


OS 


cn 


CN 


© 


r— 1 






I— 1 


I— ( 




CN 


i—l 


r— 1 



O 


CN 


CN 


rH 


t^ 


»o 


CO 


CO 


co 


O 


I>- 


CN 



OS 
CD 
CN 






© 
*0 



»0 


»o 


<* 


CO 


"* 


CN 


>o 


f» 


t— 


CN 


I—l 


M3 


OS 


t-~ 






r* 




OS 


iO 


CO 



1—1 


CN 


© 


CD 


CO 


rH 


CO 


CO 


rH 


i— i 


CO 


1— 1 


T* 


cq 


fN 


i— i 


IO 


CO 


GO 


tM 


co 


I—l 


CN 


CN 


■"*• 


CO 


o 


•* 


«— I 


CN 


I—l 


t>. 


i—l 


Tf< 


th 






i—l 


CO 


CO 


o 





CO 
CO 



IO 


lQ 


o 


T)H 


00 


CO 


on 


IO 


GO 


CN 


CD 


o 


-*l 


iO 


I—l 


CN 


CO 


i—l 


o 


t-- 


CN 



OS 


o 


IO 


CN 


OS 


Tf 


CO 


CO 


i—i 


»o 


"* 


TJH 


CN 


i— i 


-* 












CO 




b- 


1 i-i 





44 



O 

> 

o 

3 

o 



o 



o 
GO 

d 

OS 



oS 



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o 
a 

OS 

CO 

3 
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PQ 
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r3 

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1-s 

u-, 
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>^ 



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W 

d 

03 



CO 



pq 



c 
P3 



o 



aj <u co 



o 

CO 

d 

03 



■g * 
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es go 



m 



CJ 

o 

CO 



a 


a 


S 


.»— < 




n3 


bn 




P 
d 


OS 


o 




>H 


CJ 

o 



GO 



O 
CO 



W pq 
o • 



S W 



O 



o 
Pm 



o 

CO 



> s 



"5 



Ph 



50 



,3 
,bp 

"3 

M 



3 

M 



T3 «R 

o % 

O c 

•5 m 

(D r _ 4 

O 3 



73 

h3 



.2" -S 






P3 



o 

Ph 



i^ ^h o 



■+J .y 



t> ,» 



S ,0J 



Oh 



03 

O 



T3 

3 

03 

w 

bC 
d 
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d 
3 



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o 



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s-. .£ 

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fcfi 



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cS 
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cS 



d 
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CO 



td 



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3 
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ed 

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03 



Ixxxiv 



STATISTICAL TABLES, 



a 

a 
•i— i 

4-> 

d 

o 

Q 



6 
125 

« 

H 











I— 1 


^H 


1 


CO 


CM 


CO 


CO 


1—1 


TH 


1 


CO 


CM 


1 


nH 


CO 






f66T 
















1— 1 








lO 










uj sq;e9a 






































OS 


lO 


i— ( 


lO 


t— 


OO 


-* 


-^ 


CM 


CO 


xH 


o 


Tt< 


CO 


CM 


ico 




u 




OO 


■^ 


CO 


CM 


I—l 


00 


CM 


OS 


co 


CO 


CO 


o 


»» 


00 


-* 


<3i 




co 


.& 


""l 




1— < 




CO 






°2. 


tH 


CM 




o^ 






CO 






3 


3 


CO 














1—1 








»co" 












OJ 






































M 




6 


































s 




a> 
Q 






































CO 

OS 


CO 


00 


>o 


CM 


Oi 


CO 


CO 


00 


00 


CO 


■>* 


CO 


^ 


i-H 


rh 




S-, 




OO 


^M 


CO 


CM 


CO 


CO 


CN 


CO 


OO 


t^ 


co 


»ra 


lO ■ 


CO 


•o 


r-H 




CO 


a 


1— 1 




1— 1 




OO 






co 


CM 


CN 




CN^ 






CO 


I—l 




s 

o> 


2 

CO 


CO 














i—i 








«T 












Is 




o 


































r-< 




CD 

a 




































rji 




lO 


tH 


o 


T* 


I— 1 


rfl 


o 


t^ 


00 


rH 


b» 


CM 


CN 


to 


CO 






o> 




o 


»ra 


t» 


o 


CO 




^ 


CM 


o 


CO 


CO 


CO 


i—l 


o 


Tfl 






«1 °° 




1—1 


CO 


I— I 


Oi 


OS 




t^ 


OO 


co^ 




o 


1—1 


co 


CO 


•* 




-W 






































V • 




>o 






CM 






C5 


CM 


cm" 




I© 


CM 




1—1 












۩= 












i-H 




















^ 






































a> 






































« 












































»*- 


ta 


CO 


-* 


tH 


»c 


CO 


o 




o 


CO 


CO 


CO 


I—l 








.* 




»to 




no 


o 




C35 


1—1 


CO 




CO 


CO 




T* 


Oi 








CO 




I— 1 




©^ 






CO^ 


•"*■ 






1— 1 


CM 




I— 1 










J3 


1 


۩= 




F— 1 






f— i 






1 


co~ 










CO 






o 






















i-H 










W 






P2 







































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H 






































►h 






































O 






































a 






• 


o 


W3 




00 


1—1 


i— i 


o 


00 


Oi 




o 


o 


CD 


o 


■* 


w 




a. 


a 


o 


CM 




-* 


Oi 


OS 


o 


1— t 


CN 




o 


O 


CO 


«o 


CM 


Ch 




cc 


I—l 


CM 




t>^ 


CN 




o_ 


co^ 


OO 




co^ 


T*< 


Tf 


t>^ 


CO 


t*I 




c 


3 


<§©= 


i— I 


I 


cm" 






»c 


1—1 




1 


cT 






r— < 






hJ 


3 














CM 








»CO 






































I—l 














S-c 


•a 




































o 


e 




































Eh 


cS 








































Tf< 


CO 




CM 


lO 


CO 


00 


W5 


CO 




o 


CM 


t^. 


CO 


t^. 










o 


»rs 




CM 


CM 




CO 


CO 


1—1 




t^ 


O 


CO 


CO 


1— 1 








CO 


r— 1 






CO 


CM 




CO 


tH 






lO 


lO 


co 


"* 


o 














i 








































1—1 






1—1 


CN 






CO 










Tji 






o 


۩= 




















1—1 










OS 






































00 
t— 1 






3 
































g 






































a 

o 








































en 




co 


o 


lO 




Ci 


Ol 


Oi 


-* 


o 


o 






l^ 








a 

CO 






CO 


CM 




CO 


CM 


CO 


OS 


CM 


o 






CO 








1 


co^ 




°i 


| 




co^ 


OO 


CO 




l>^ 


1 


1 


t-- 


1 


55 






a 




i— i 




cm" 






I-C 








oT 






i-H 




H 






09 
00 
CO 

CO 

<3 




۩= 










CM 








l—l 














CC) 




I— 1 


tH 


lO 


1—1 


i—l 


"CM 


00 


»*« 


kO 


TH 


t^ 


CO 


CN 


I—l 


CO 






a> 




lO 


CO 


Tt< 


CO 


CO 




co 


OO 


1—1 


i-H 


C5 


CM 


CO 


CO 


■* 






CO 
O r-t 




I— 1 


00 


I— 1 


r-H 


co^ 




1—1 


CM 


CO 




CO 


CO 


CO 


CO 


CO 










































D _J 




T* 






CO 


t— 1 




t>. 


i-H 


CM 




-* 


CN 




I-H 








» £ 




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1— I 




















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«1 






































co 






































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„ 










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>> 










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a 










o 






CD 










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a 
o 
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. 


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o 


. 


CD 


. 


. 


CQ 

< 


& 


. 


• 


a 
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o 

CO- 
CO 

< 
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a 
co 

a 
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c3 
G, 
CD 

Q 

CD 

a 

CD 
2 


S3 
O 

V-> 

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o 

cc 
co 

<a 

CD 


O 
« 

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O 

a 

CD 

2 


4 

m 

a 

6 
o 

a 

03 

d 

pq 
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J-. 


CO 

a 

CD 

O 
> 
CD 

a 

CD 

pq 

CD 
CO 
CD 

a 

3 
-t— * 
Sh 
O 
P-. 

CO 

-t-a 

■!-> 

CD 

co 

a 

r=l 

CD 

oS 

CO 

CO 


_CD 
'3 
O 
CO 

"co 

'3 

03 
CD 


o 

CO 

CD 

Ph 

1=1 
o 

CD 

,a 
o 

<i 

pa 

CO 

*C3 


a 
o 
+j 

_e3 
"G 
O 

CO 
CO 

< 

CD 

• i-H 
13 
P^ 
*CO 

CD 
CO 

"S 

S 

CO 

'S 
O 


a 
o 
%-j 
.2 

'o 
o 

co 

CO 

<! 

a 
a 

S3 

'o 

Ph 
O 
J-i 
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*CO 
CD 

"a 

03 
& 
o 

CD 

a 

cS 
"co 
CD 

a 

03 

o 

a 

03 
n3 


CD 

a 
o 

-1-3 

CO 

*-*-3 
CU 
03 

CO 

CD 
^3 
+3 

Ct-H 

o 

< 

a 
a 


a 
o 

'a 
a 

CD 

"p 
o 

PM 

I—l 
03 

a 
.2 

+3 


a 
.2 

03 
'o 

O 
co 
en 

< 

CD 

_a 

"o 
Ph 

c2 

CD 

pq 


4-s 

.2 
"3 
o 

CO 
CO 

< 

ca 

CD 

a 

CD 

PQ 

"oa 

CD 

CD 

03 
CD 

H 

c2 
CD 

pq 


a 
.2 

•S 
"3 

o 

CO 
CO 

< 

« 

CD 

a 

CD 

pq 
a 

a 


'o 
o 

CO 

< 

ca 

CD 

a 

CD 

pq 

"oS 

a 
a 

*co 

fH 
CD 

a 

03 

a 

a 










*o5 


"oS 


c3 


cS 


CD 


CD 


CD 


CD 




03 


CD 


CD 


CD 


CD 










3 


S- 


S 


g 


s 


a 


s 


^ 


^ 


S 


5Z5 


}ZJ 


5Z5 


sz; 


fc 



STATISTICAL TABLES. lxXXV 



on 


1— t 


^H 


i— < 


o 


ira 


co 


TH 


l-H 


o 


i— i 





(Ml 1 1 — I I I t>- t— ( | I |r-!| I <* CO t(4 



C0C0rH<0C0rJl>0O»-CDi— I CO 
CO t— l»OCOt>-«OiO©cM''tfli— IO 
OS CM i-l i-H CM r-4 CO 

CM~ 



.-I CO Ci CO COQOO(MO 

.— ( CM ICO ^H I-- CM CO CO CM 

t-H ©^ i-H I <-H C^ CM 

i-T cm 



C-i 



on 


© 


r— t 


o 


o 


Oi 


to 


CM 


CO 


CM 




CM 


CO 


f— 1 


r— 1 



iO 


CO 


CM 


IO 


CM 


l-H 


r- 


-* 


lO 




CO 


CI 


co 


on 


xo 


cn> 




co 



tH 


<N 


•<+! 


O 


f- 


■* 


■<*i 




>o 



co 


CO 


»ra 


o 




o 


(M 


CM 


co 


CM 


t^ 


co 



o 


cm 


CO 


ira 


■a 


o 


>o 


Oi 


*a 


a> 


CO 


CM 


CO 


co 


CM 


CM 


co 


Ci 




T— t 


o 


CO 








CO 


t— 4 



o 



o 



IO CO OS CO 

O CO -<±l i— I 

O i > »0>— lCiCMCMO^-^i-HCM 

i>r !-T co h 



^ 


Ci 


■* 


ira 


l-H 


a) 


i—i 


Ci 


CM 



on cm o m»o t^.1— ioscococm 

© UO •<* .— ICO C5 CO CO CM CM l£0 

i-h ©^ *0 JM^CO ^H COOCN^tlrP 



-* 



(M 


CM 


© 


CO 


CO 


>o 


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© 


l^- 


co 


CO 


o 



CO CO 



CO CM CO ©^ i-^ 





a 




• 


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c3 






o 


s 


„ 


o 


o 


CO 


V} 




WO 
CO 


t/J 


cd 



B ^ 



PQ § 



o 
m 



9 S B '6 <J 

o .2 o § ^ g .03 ■= . 



OS # C3 



=sg £ £ £ B « !>> 



. CO "-H v-/ 

>•> --4 CJ O 



« <3 ,~ S3 « . • JS' «3 5 « », O u* +=•' -^ o r/5 



m & v >~ % <a 2CCa)o2Ba>Oa3 

& s -s 2 .-§ ' b 3 n " » & « a a <i 



c 



i < * * * 2 | | g | | - 1 & J 



« £ l s j§ ^ 5 5 s i ™ •§ « s i a i s ■ « 





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cu> 
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B 


a 


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on 


>> 


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O 




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!3a^3BScoWa3 + a--icOOJj_a3!3r > 

~o : §^ cS sSc aSI^>^PH , 5i^£v2o3 

^a § S s s & * I s -g ^ | s ^ 1 a 'g 



— <►- lOOOn^SH^B-ojcDtDOOgjgg 



^OpHPnpHpHPHAHpHpHCJP^PHp^pCirtcO 



Ph 


> 


>> 


< 


B 


B 


B 


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rt 



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CD 


S3 


£►> 


OS 
13 


B 

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& 


rt 



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lxxxvi 



STATISTICAL TABLES. 



o> 

S3 

• r-H 
H-3 

a 
o 



6 
r-1 

PQ 

<* 

H 











CM 


CO 


i— i 


1 


CO 


1 


1 


1 




















*68I 


































UI 


sqjuaa 


































J 






IT- 


iO 


O 


OS 


CD 


»o 


CO 


OS 


t-~ 


t^ 


CM 


r-H 


o 


t^ 


t^ 








co 


OS 


CO 


t- 


CO 


i— i 


co 


OS 


00 


OO 


"* 


»o 


i — 1 


V3 


^H 


CM 




* 


p. 


rH 


I— 1 








CM 




T—1 




i— 1 


r-H 


I-H 


CO 


CO 


r-H 


l^ 




s 

OJ 


00 


CO 


































3 




6 

a> 

A 


































. 




CO 


o 


OS 


CM 


t— 


t- 


■* 


o 


"* 


CO 


XO 


CO 


os 


CO 


lO 


»o 




S-, 




CO 


lO 


oo 


t— 


oo 


CO 


CO 


oo 


os 


co 


TJ1 


-* 


T*« 


CM 


TI< 


TJH 




J3 


ft 


"""J. 


r-H 








CM 




r-H 




CM 


i-H 




co 


oo 


l-H 


t-« 




03 


IS 


CO 


































£ 




ci 
Q 




































■* 




TH 


t^ 


OO 


o 


00 


r-H 


CM 


T— 1 


CM 


■* 


o 


CO 


b~ 


CM 


00 






OS 




co 


CM 


KO 


t^ 


CM 


oo 


OS 


co 


o 


CO 


t^ 


o 


-HI 


l-H 


oo 






m co 




CO 




oo 


w^ 


o 




th 


-HH 


CM 


CO 


OS 


CN 


CM 


t»" 


CO 








۩= 


































03 






CM 


t-T 






r-H 




CM 


i-H 








I-H 


TlJ' 






CO rH 










r— i 
































































-4 






































o> 






































Q 














































00 


i-H 


t— 


OS 


OS 


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i-H 


OS 


T(H 


oo 


r-H 


TH 


Tt< 


o 








«H 

03 




©^ 




CM 


CM 


co 


■t< 


•* 


o 


CM 


co 


t^ 


O 


CO 


00 
















°i 


CM 


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CM 


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CO 


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r-H 


t^ 








rC 


l 








r-H 










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cm" 






^ 


03 






O 
































w 






Pj 
































K 
P 






< 
































H 












































































Q 






































a 




03 
03 




CO 


K0 


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CO 


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CO 


o 


CO 


O 


CO 


CO 


Pj 




l 


t- 


CM 


co 


i— 1 


OS 




t- 


*o 


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CO 


i-H 




r-H 


TP 


o 




<« 


co 


CM 


i— i 




co 




CD 


CM 


oo 


CO 


oo 


CM^ 


°1 


cc 


r-H 






V3 

o 

l-H 

Jh 
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OS 

o 

s 

cj 


۩= 










1 












r-H 


I-H 




ocT 












■* 




lO 


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1— 1 


CM 


t^ 


-* 


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Tfi 


CO 


o 


O 


l-H 


i-H 








s^ 


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OS 


CO 


T(H 


la 


00 


OS 


eo 


I-H 


CO 


CO 


t— 








03 


o 






CO 


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r-H 


Tfl 


HO 




CO 


OS 


I-H 


co 
















| 


































!^ 


1— 1 






CM 


1— 1 




r-H 






CM 




CO 


r-H 




«o 


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۩= 






























CO 






< 
































a 






































H 
S 

o 
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55 






CO 


































o 






oo 






tH 


o 


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t^ 


CO 






c 

03 

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CM 






os 


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^H 




oo 




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1 


5^ 


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CO 


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1 


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1 


00 










CO 
CD 
09 






































CO 




CO 


o 


oo 


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CM 


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CO 


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<o 






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CO 


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OS 


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CO 


CO 


CO 


i>- 


os 


o 


oo 


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o 


os 


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CO 




CO 


I— 1 


t— 


CM 


rH 


1— 1 


CM 


CM 




oo 


i-H 


CO 


CM 


co 


I.O 










۩= 


































^ rH 






CM 


»o 


r-H 




r-H 




CM 




I-H 






r-H 


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2 co 










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A 6 






































03 






































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>> 












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Sh 


CD 










d 
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a 
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r3 
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M 
o 

rb 


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rd 
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Sh 

o 


IS 

o 

r-J 










p 


r 


• 


n 


• 


o 

o 


• 


< 


* 


^ 


o 


'o 


d 

o3 


_CD 










O 


<1 




o 




CO 




a 


CD 

!3 


03 


t^ 


> 

o3 


W 


t3 


'G 
o 

CO 

d 

CD 










,Q 
03 
P 
4-a 

S3 

03 
^ 

CD 
Ph 

eu 

d 

6 
o 


pq 

.d 
03 


«4-T 


31 
°o 
o 

CO 
02 




3 

CD 

pq 


' 


.2 
'3 

P 




n 
.2 
'3 


"G 

o 

CO 


w 
p 


.2 

.2 


d 

-t-3 

.2 






5z? 




CO 

Q 
d 
.2 
'3 
P 

"oo 
Sh 

CD 
4-» 

a 


CD 

rd 

CD 

Ph 

"3 
CD 

a 

CD 


«1 

CD 

"cD 

P4 

CD 

'o 

Pu 


d 
o 

4-2 
03 
Sh 

o 

Ph 

o 
O 


Ph" 

a 

"el 

-»H> 
t— 1 

CO 

V, 


o 

# CD 

"S 
o 

CO 


> 

CD 

a 

CD 

PQ 

4-3 

co 
h3 

Cm 

03 

pq 

CD 


S3 
O 
CD 
CD 
CO 
CD 

t3 

CD 

CO 
HH) 

Ph 


P 

03 

o 

CO 

'43 
P^ 
03 

pq 

CD 


< 

co 

HH) 

Pu 
03 

pq 

CD 


pq 

r^ 
CO 

H-a 
Ph 
03 

pq 

CD 


"S 

o 

CO 

co 

< 

co 
"■2 
P^ 
03 

PQ 

CD 


'5 

o 

CO 

>■ 

CD 

d 

CD 

PQ 

H-3 
CO 


CD 

d 

CD 

pq 

CO 
4H> 

03 

pq 

CD 

rP 
42 

d 
rd 

o 

1-9 










°8 


CD 


CD 


CD 


(3 


o 


rP 


03 

pq 

n 

03 

CD 


rP 


rP 


rQ 


rd 


o3 










Sh 

CD 
rd 


Sh 

03 

O 


CD 

3 


SH 

CD 

a 


CD 
Sh 

<1 


O 

rd 
H-> 

c 
<! 


'3 

o 

HH> 
P 


O 


4J 
P) 

o 


a 

rd 

o 

1-5 


+3 

d 

rd 

o 

r-S 


d 

rd 

o 


pq 
d 

rd 

o 

r-J 










3 


3 


o 


o 
































CO 


02 


co 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


02 


CO 



STATISTICAL TABLES. lxXXVil 



1 


' 


<* 


CM 




i 




t— 1 


I— 1 


1— 1 


1— 1 


1 


1 


CO 






IP 


CM 


1 









CO 


■* 


(M 


r^ 


>o 


»ra 


oo 


Os 


o 


f— 1 


co 


CM 


OS 


>o 


r^ 


ir-- 


t^ 





CO 




t>. 


CO 

I— 1 






CO 
CM 


OS 


CO 


CO 


CO 


lO 


CO 


Tt" 


OS 


o 

CO 


!>. 


OS 


00 

CO 


•* 

1— 1 


CM 

1— 1 


os 

CO 




oo 


co 


«o 


CO 


co 


OS 


OS 


CO 


co 


co 


i— i 


CO 


© 


1— 1 




o 


00 


co 




-* 




co 


I— 1 


CO 


CM 

CO 


CM 

CM 


CO 


CO 


T* 


CO 


t^ 


■— i 
i— i 


^H 


00 


o 

CO 


1 


t-~ 


CO 
CO 


CO 
CO 


1 


OS 
CO 




OS 


o 


CO 


»o 


l^ 


OS 


■* 


co 


CO 


OS 


r^ 


t^ 


1— 1 


OS 


CO 


CD 


t-H 


t^ 


*cH 


co 




co 


. o 


CO 


1— ( 


rH 


r— < 


CO 


IQ 


lO 


CO 


CM 


co 


co 


OS 


o 


ira 


CO 


CO 


H 


10 




OS 


OS 


1— 1 


oq 
co" 


CO 


q 
i— i 


t^ 


CO 






i— I 


»rq 
CM 


■* 




co 


CO 






CO 

I— 1 


i-H 


"CH 




co 


»o 


I— 1 


OS 


t^. 


OS 




CO 


CO 


CD 


CM 




co 




t^ 


CM 


CO 


CO 


CM 







o 


CO 


co 


o 


CO 


i — i 




>o 


o 


t^ 


OS 




t^. 




(^ 


lco 


CM 


■«* 


CM 


!-H 




OS 


CO 


I— 1 
CO 


1—1 


^H 


CO 




CM 


CO 


CM 


CO 


1 








CM 


CD 

1— 1 


CM 


1—1 


CO 




o 


CO 


CO 


tH 


.—1 


o 


CM 


o 


CO 


o 


!—< 


CM 


CM 


lO 


t^ 


co 


CM 




1—1 


CO 




IQ 


«?H 


o 


1—t 


t^ 


Tfl 


"* 


t^ 


^ 


os 


t^ 


»Q 


<—< 


CM 


CM 


■* 


TH 




IQ 


CO 






CO 


co^ 

CO 


°1 

1— ( 


OS 


CM 




CM 


CM 








ia 


CM 


i— ( 


CM 


CO 

cm" 


1 


CM 


cC 




»o 


CM 


CM 


>o 


•* 


CM 


t^ 


CO 


«0 


t^ 


»ra 


»o 


CO 


OS 


CM 


CM 


10 


CO 


r-^ 







on 


O 


co 


CD 


CO 


OS 


co 


^H 


CO 


co 


o 


CD 


>Q 




.— 1 


CO 


CD 


T* 


CO 


OS 




i— t 


■^ 


o 


lO 


ia 


t^ 


CM 


CO 


CO 


CM 


^H 


i— i 


CD 




lO 


i— i 


OS 


CO 


b- 


^ 














































H 


i— 1 


o 
I— 1 


CO 
















i— I 










CO 


CO 


1— 1 


r-l 




1 


CO 


o 
1—t 


' 


CO 

cp^ 
i-T 


1 


1 


1 


' 


CO 
CM 


1 


O 


1 


os 

I— 1 

CM 


1 


1^. 

o 

CO 


O 

1— 1 


1 


. 1 


os 

CO 
1— 1 




t^ 


CO 


co 


co 


»ra 


CO 


os 


IQ 


o 


kO 


iQ 


OS 


CO 


CO 




CM 


co 


■* 




l>- 




o 


o 


CO 


r^ 


tH 


CO 


iq 


CO 


t— 


-* 


CO 


"OH 


OS 


OS 




CO 


TH 


CO 




■^JH 




t^ 


t^ 




c<T 


cp 


t^ 


lO 


©_ 

1— 1 


CM 


1— ( 


Tf 


•^ 
>— 1 


CO 






CO 


co" 






>o 














c3 








CD 








Jh 


























o 








p 








O 
















P 

P 

P 

CD 

pq 

«m 
o 










to 




•. 




0) 








O 
















p 

o3 
XI 
o 
P 


xT 

be 
p 
p 

o 

M 

c3 


CO 

a 

03 

13 

<! 

XI 

4^3 

M 

o 


4-> 

CO 

X> 
<u 


i2 

o3 
-t-» 

t-t 

o3 
Xj 

O 

T3 

P 
o3 


co 
'cd 

p 

4-3 

p 

CO 

3 


o 

o 
to 

tp" 

<D 
P 
<V 

pq 

-d 

p 

03 


c3 

-4-3 

CD 
CO 

p 

CO 
">H 

XI 


P 
CO 

X> 
< 

"eS 

4-3 
O 

H 


O 
>> 

+3 

<D 

'o 
o 

CD 


P 

4^* 

•S 

"o 
o 

co 

CO 

< 


• 


co 
CD 

XI 

o 

M 

p 

X) 

O 


w 

P 

03 


p 

o3 
o 
CO 

>^ 

4-3 
<V 

'5 


• 


• 


P 

.2 
4-3 

_o3 
"CD 
O 


.2 
"0 



CO 
T3 

< 




O) 






•N 




O 


O 




o 


o 


CD 

bD 
P 
03 
XJ 
o 

< 

XJ 

4-3 
"CD 

03 

X) 

CD 

i 




p. 


• 


o 


M 




CO 


^4 




o 
o 

CO 

4-3 
tn 

•M 
P< 

pq 

<D 

XI 

P 
XI 

o 
»-» 

4-> 


CD 

'3 
o 
to 

4-3 
03 
+3 
Ph 
03 

pq 

p 
XI 
o 

i-s 


-♦J 

.2 
'o 
o 
to 

a> 
+-> 

CO 

P4 

eS 

pq 
p 

03 
CD 

t-s 

4-3 


4^> 

<a 

'o 
o 

to 

CD 
4-3 

to 

4-3 

P. 

o3 

pq 
p 

03 
03 

4— « 


4-3 

"o 
o 
to 

CO 
Oh 

03 

pq 

p 

XI 

o 

l"B 


M 

Oh 
+3 

p 

<D 

'o 

t> 
<D 
P 

pq 

X) 

Oh 
CD 
CO 

O 


o 

CD 

CO 

CD 

T3 
•<D 
CD 
°CD 
O 

to 

XI 

p. 

CD 
en 
O 

1-5 


<1 
H 
xj 

"el 
O 

CD 

P 
<D 

03 

4-3 


o 

t-l 

'3 

co 

V. 

Si 

03 

4-3 


X3 

4^3 

c3 
O 

P 
03 

3 

O 

CO 

h 
03 

4-3 


C*H 

<D 

CD 

CD 
CD 

o 
Cm 

CD 

cp 
b0 

•9 

P. 


oT 

& 

03 
, e3 
O 
cm 

O 

M 

03 


03 

pq 

P 

03 
bJD 

w 

P 
03 

4-3 

CO 

CD 

4-3 

CO- 


H-l 
<^ 
P^ 

P. 

a 


to 

Cm 
# <D 

"03 
p 

43 

p 

a 

XI 
co 

'5 
CD 


of 
bC 

CD 
> 

CD 

'Ej 

O 

CO 

X^ 

CO 

t3 

CD 


2 
'3 


+3 

'p 

p 
p 

< 

"co 

M 

CD 

X3 

CD 

03 

CD 


< 

4-3 

P 

CD 

'O 

> 
CD 
P 
CD 

pq 

"co 

M 

CD 

4-3 
CO 

a 

e3 

CD 


03 

p 
p 

$ 

CO 

CD 

a 

c3 

cn~ 

«m 

p 




(/J 


CO 


CO 


to 


CO 


co 


to 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


H 


H 


H 





lxxxviii 



STATISTICAL TABLES. 



i— i 
O 

o 
O 



6 

Hi 

M 

H 







CO 


1 


i 


t^ 


1 


1 


1 


CO 


kC 


1 


i-H 


CM 


CO 


1 


CO 


•^681 






























oo 


in sq^B9(l 
































1 OS 


i— i 


os 


CO 


CO 


kO 


CM 


o 


tH 


o 


CM 


t^ 


kO 


o 


kO 


Tt< 


U O0 


o- 


t^ 


cm 


kO 


r— t 


co 


CM 


l>. 


Ttl 


OS 


i-H 


CM 


CO 


kO 


kO 












CM 






kO 


rH 


H 


1— I 




co^ 


i-H 


CO^ 




























CM*" 






































Q • 
































CO 
1 OS 


OS 


o 


CM 


o 


^ 


r- 


CM 


tH 


TjH 


co 


r-t 


CO 


-* 


o 


CO 


J- 00 


t^ 


t>- 


CM 


t^ 


O 


co 


CM 


T-\ 


CM 


oo 


i-H 


CO 


t^ 


00 


l>- 


£ £•;} 










CM 






»o 


CM 


i— i 


1— 1 




CO 




CO_ 


l -s « 






























oo" 

CO 


^ 0) 
































Q 
































^5 


OS 


co 


CO 


kO 


•— I 


OS 


»cH 


■* 


CM 


Tt< 


CO 


f^ 


tH 


■* 


ca 


os 


CM 


X* 


^ 


CO 


CO 


o 


t^ 


co 


CO 


OS 


tJH 


<M 


oo 


rfi 


■<*< 


n 22 


as 


00 


oo 




CO 


OS 


CM 


OS 




rh 


CO 




■* 


rH 


o 


































0) 


i— i 












I-H 






kO 


o 








t-T 


en i— i 
tn CO 

< 6 


^ 


















1— I 


I-H 








kO 


CD 
































p 






































t^ 


CO 


t-» 


o 


kO 


l>. 


<M 


co 


kO 


kO 


o 


OS 


OS 


co 


CO 






CM 


OS 


r— 1 


CO 








co 


co 


kO 


o 


CO 


-* 


co 


os 




S-t 


■— i 


I—l 












CM 




CM 


t^ 




co^ 


OS 


co 




1=3 


€& 
























of 




^J" 


o5 


© 






























CM 

I-H 




3 






























۩= 


H 




































































P 


































Cm 




CM 


co 


© 


<CH 








CO 


kO 


CO 


OS 


oo 


tH 


o 


rH 


00 00 


i—l 


os 


CO 


i-H 








kO 


CO 


co 


-<*< 


T* 


t— 


kO 


CD 


0} g 


t^ 


CM 




CO 








r-^ 


>o 


CO 


CO 


rH 


CO 




CM^ 


<° "3 


۩= 








1 


1 


1 


<M 










CM 




CD* 

co 




>* >a 


































£ § 






























rH 
































۩ 








(M 


»ra 


CO 




co 


CM 


co 


r—t 


o 


CO 


t^ 


'dH 


os 


t)h 


CM 




oj 


■* 


os 








o 




l~~ 


rH 


r- 1 


-+l 


CM 


OS 


CM 


CM 






co 


■<* 


CO 






CM 


i-H 


■— 1 




c» 


TjH^ 




kO 


l^ 


r—t 




cu 


۩= 






1 












r-T 


CO 




oT 




CO 


OS 


o 






























CO 

CM 


OO 
































۩= 


1—1 


<1 
































55 




































































03 


CO 


r—t 




kO 


t^ 






C» 


o 




co 


CO 


rH 




i-H 


o 


"tn 


kO 


i—l 




-* 


1— 1 






lO 


co 




CM 


CO 


oo 




kO 










CO 








CO 


CO 




CM 




co^ 




co^ 


S 


۩= 




1 






1 


1 


cm" 




1 






of 


1 


cm" 


h- 1 


aa 

CO 






























(M^ 

i— ( 




CO 


co 


co 


CM 


os 


CO 


■^ 


co 


co 


CM 


t— 


os 


CM 


t^ 


CO 


O 


os 


t— 


CM 


CO 


CO 




rH 


CO 


os 


o 


CO 


rH 


o 


CM 


O 


CO 


oo 
m i— I 


°i 


00 


kO 




CO 


l>. 


I-H 


l^ 




»o^ 


IC^ 


t—t 


iO 


-*• 


o 


"S ■" 


r-T 












rH 






Th" 


CO* 








oT 


00 CO 


63= 


















■" ' 


1— 1 








l^ 

■* 


<1 6 






























€& 


V 
































A 














































S3 

.2 














fc^ 






CD 










a 


p 




p" 
.2 








-*H 

.2 






p" 











o 


.2 
"53 


_o 










*c3 












o 


a 
o 


o3 


."§ 


p 
o 


+3 

.2 


p 
.2 

'■p 

. e8 
*c3 

o 

CO 

co 
< 

.2 
"3 

P3 

CD 






o 

CO 






s 

Sh 

M 
sh 

a> 

.P° 
+3 

"53 

CO 
P 
0) 

bC 

CD 

o 


■a. 
a> 

CO 

o 

+s 

CO 

p 

o 

• rH 

p 
P 


• 


°c3 

o 

CO 
00 

<1 

CP 

o 

CD 

w 

"3 
o 

Sh 
CD 
-t-a 
03 

S-, 

ft 

a 

J-l 

u 

o3 


•° 3 
"53 
O 

CO 
CO 

< 

CO 

Cl> 

a 

CD 

m 

.—I 

e3 


'S 
O 

co 

CO 

<1 

•2 
'S 

co 
© 

a 


o 

CO 
CO 

<1 

<4-l 

.2 

r— 1 
CD 

Ph 
co 

CD 

a 

CD 
U 


"53 
o 

CO 

co 

«1 

4H 

cp 

CD 

p 

CD 

« 

P 

■4H 

P 


'+J 

.2 
"c3 
o 

CO 

SB 

< 

cp 

CD 

p 

CD 

m 

"e8 


'o 

o 

CO 
CO 

<1 

«H 

.2 
'a3 
Ph 

CO 

p 

CD 

a 

CD 


T3* 

< 

>> 

.2 

p 


p 
.2 

'S3 

o 

co 

CO 

< 

cp 
o 

P 

CD 


> 

CD 

p 

CD 

P3 

-T5 
P 
03 

6 

Sh 

Ph 






u 

CD 

'5b 

P 
d 
rP 
r= 
c3 
P 
P 


a? 

-a 
H 

p 
o 

'3 

P 


d 

s 

c3 


CD 

r-l 

c3 

a 

-1-3 

5 


s 

U 
CD 

-|H 
CO 

CD 

rd 

d 


2 

u 

CD 

+-> 

CO 

CD 

rP 

CD 
P 


P 
P 

P 

r-l 
P 
rO 

o 


•1H 
!-H 
Sh 
CD 
CO 
CD 
CD 
Sh 
O 


'o 

Si 

CD 

-1H 

to 
CD 
O 

o 


< 

CO 

P 
CD 

a 

Sh 
O 


PQ 

CO 

p 

CD 

a 

rM 
Si 

O 


CO 

p 

CD 

be 

P 
P 
O 








£ 


^ 


* 


P 


^ 


£ 


£ 


^ 


^ 


£ 





STATISTICAL TABLES. 



lxxxix 



CO 

co 



CO 


CO 


tH 


^ 


© 


© 


oo 


00 


IQ 


r-l 


o 


CO 


i— 1 


CO 


o 












o 


t^ 


I— 1 


-* 


-* 


CM 


I— 1 


OO 
CO 


t^ 


© 


co 


OS 


r— 


OO 


CN 




o 


r-~ 


l>. 


t— 


CN 


© 


CN 


CD 


O 












O 


cn 


-* 


00 


CD 


CN 


i— 1 


CD 


CO 





©~ 

00 



©^ 

oT 



CD 


CD 


CO 


CO 


i— 1 


CN 


CO 


i— 1 


© 


t^ 


CN 


TM 


i— 1 


CD 


-<* 












O 


CO 


© 


i— 1 


iO 


o 


CD 




<N 


© 


1— I 




o 


i— 1 


CO 


€& 




1—1 




i©= 



I— [ 
i— i 



CD 

o 
CN 



CO 


o 


»o 


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MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statement op Assets and Liabilities, with Abstract 
of Annual Statements, for the Year ending- 
December 31, 1894. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business Sept. 4, 1851.] 
Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 

Income. 

Cash received for premiums on new policies, . . , . $180,940 44 
Cash received for renewal premiums, . 1*066,876 14 
Premium notes received for renewals, ..... 20,657 75 
Dividends applied to purchase paid-up additions and an- 
nuities, 205,919 92 

Surrender values applied to purchase paid-up insurance and 

annuities, ....... 1,084 59 



Total, ......... $1,475,478 84 

Deduct amount paid for reinsurance, ..... 20,106 47 



Total premium income, . . . . . . . $1,455,372 37 

Cash received for interest, . . . . . . . . 279,251 92 

for rents of company's property, . . . 19,636 06 

for profits on securities sold, . . . • . 930 26 

for reinsurance, ...... 7,181 23 

Premium notes or loans restored, ...... 202 94 

Miscellaneous, .......... 563 00 

Total income, ......... $1,763,137 78 

Net or ledger assets Dec. 31, 1893, ...... 5,748,609 29 

Total, . . $7,511,747 07 

Disbursements. 

Cash paid for losses and additions, . . . . . $378,201 21 

Premium notes or loans used in payment of same, . . 4,217 79 

Cash paid for matured endowments and additions, . . 69,380 74 

Premium notes or loans used in payment of same, . , . 2,334 26 

Gross amount paid for losses and endowments, . . $454,134 00 

Received for losses and claims on policies reinsured, . . 5,000 00 



Net amount paid for losses and endowments, . . . $449,134 00 



BERKSHIRE LIFE INSURANCE COMPANY. 



Premium notes or loans used in purchase of surrendered 
policies, |5,225.10 ; voided by lapse, $1,930.34, 

Cash dividends paid policy-holders, 

Cash dividends applied to purchase paid-up additions and 
annuities, ...... 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, ...... 



Total paid £>olicy-holders, 
Cash paid for dividends to stockholders, 

for commissions to agents, new policies, 
449.12; renewals, $76,845.11, 

for salaries and allowances to managers and 
agents, .... 

for medical examiner's fees and inspections, 

for salaries of officers and home office employees, 

for taxes on new premiums, $1,194.96 ; on re- 
newals, |8,714.10, 

for taxes on reserves, f 6,841. 25; on investments, 
$1,976.37, . 

for fees, licenses, etc., 

for rent, .... 

for advertising and printing, 

for real estate expenses, . 

for legal expenses, . 

for miscellaneous, . 

for profit and loss account, 

Total disbursements, 

Balance, ..... 

Invested in the following; ; — 



$7,155 44 
10 38 

205,919 92 

299,577 05 

1,084 59 



81 38 
1,785 00 



176,294 23 

32,275 53 
14,400 00 
32,292 02 

9,909 06 

8,817 62 

2,659 79 

12,076 24 

14,587 53 

3,359 53 

1,008 41 

19,467 26 

3,094 51 



,,294,908 11 
>,2 i6,838 96 



Assets as per Ledger Accounts 

Cost value of real estate, ..... 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Bills receivable, 

Agents 1 ledger balances, . 

Agents' personal loans, . 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$436,891 35 

4,323,108 31 

285,400 73 

134,133 26 

839,168 25 

735 44 

171,810 18 

1,250 00 

20,259 86 

4,081 58 

56,216,838 96 
13,452 95 

^6,203,386 01 



BERKSHIRE LIFE INSURANCE COMPANY. 5 

Other Assets. 

Interest due and accrued, f 76,463 19 

Market value of stocks and bonds, over cost, . . . 32,093 25 

New Business. Renewals. 

Uncollected premiums on policies in 

force, $18,300 90 $39,741 13 

Deferred premiums on policies in 

force, 28,724 80 92,977 39 

Total, . . . . - . . $47,025 70 $132,718 52 
Deduct loading (20 percent.),. . 9,405 14 26,543 71 

Net amount of uncollected and de- 
ferred premiums, .... $37,620 56 $106,174 81 

___ __„_ 143,795 37 

Total assets, per company's books, f 6,45*5,737 82 

Items not admitted. 

Agents 1 balances, $ 20,259 86 

Loans on personal security, . . . . 4,081 58 

Bills receivable, 1,250 00 

Total, ........ 25,591 44 

Total admitted assets, $6,430,146 38 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . . . . f 5,818,771 00 
Deduct net value of reinsured risks, 77,526 00 

Net re-insurance reserve, f 5,741,245 00 

Matured endowments due and unpaid, . . $1,396 00 

Death losses and matured endowments in proc- 
ess of adjustment, ..'... 24,968 00 
Claims resisted by the company, . . . 14,000 00 

Total policy claims, — 40,364 00 

Unpaid dividends of surplus due policy-holders, . . . 2,636 06 

Premiums paid in advance, . . . ... 7,397 94 

Bills payable, 2,697 56 

Liabilities as to policy-holders, $5,794,340 56 

Surplus as regards policy-holders, . . . $635,805 82 

Paid-up capital, 25,500 00 

Surplus over capital, . . 610,305 82 

Gross liabilities $6,430,146 38 



BERKSHIRE LIFE INSURANCE COMPANY. 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $135,006 27 

received during 1894, . . 20,657 75 

restored by revival of policies, 202 94 

Total . . . ■ 

Used in payment of losses and claims, , . $6,552 05 

Used in payment of surrendered policies, . 5,225 10 

Voided by lapse, . 1,930 34 

Redeemed by maker in cash, ..'... 8,026 21 

Total, . . — — 

Balance note assets Dec. 31, 1894, . 



$155,866 96 



21,733 70 



$134,133 26 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 



Whole life, 
Endowment, 
All others, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

11,318 $29,090,052 00 

2,823 6,916,803 00 

120 213,700 CO 

613,022 00 

__ _____ 14,261 $36,833,577 00 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 2,335 $6,338,900 00 
252 518,500 00 



2-,587 6,857,400 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Total, , i 



Old Policies revived. 

172 $112,613 00 

26 23,736 00 

10 17,500 00 



208 



153,849 00 
439,429 00 



. 17,056 $44,284,255 00 



Policies terminated during the Year. 

Whole life, . . . 1,957 $ 4,947,383 00 
Endowment, . . . 342 802,514 00 

All other, >-.•.-. 26 375,129 00 



2,325 



.,125,026 00 



BERKSHIRE LIFE INSURANCE COMPANY. 





How ' terminated. 






Number. 


Amount. Total No. 


Total Am ount. 


By death, . 


153 


$379,624 00 




maturity, 


36 


70,497 00 




expiry, 


17 


30,000 00 




surrender, . 


520 


1,569,262 00 




lapse, , 


965 


2,378,643 00 




change and decrease, 


5 


6,000 00 




Not taken, . 


629 


1,691,000 00 








2,325 


$6,125,026 00 



Policies in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



11,868 $30,594,182 00 

2,759 6,656,525 00 

104 184,200 00 

724,322 00 



14,731 $38,159,229 00 



Schedule A. 
Securities held as Collateral. 



27 shares Boston & Albany R.R. Co., 

75 " Third National Bank of Pittsfield, 

27 " Boston & Albany R.R. Co., . 

16 " Stockbridge & Pittsfield R.R. Co., 

7 " Pontoosuc Woolen Co., . 
122 " Massasoit Paper Co., 
50 " Third National Bank of Pittsfield, . 

5 " Merchants' Nat'l Bank of Boston, . 

3 " Western Nat'l Bank of New York, 
15 " Springfield Gas Light Co., 

5 " New Bedford Gas Light Co., . 
32 " Pittsfield Coal Gas Co., . 
10 " Chic , Burl. & Quincy R.R. stock, . 

28 " Berkshire R.R stock, 

10 " Stockbridge & Pittsfield R.R , 
30 " Third National Bank of Pittsfield, . 
St. Louis & San Francisco R.R. bonds, . 
13 shares National Mahaiwe Bank, 



12 

20 
20 

10 
20 

10 

50 

12 

133 



Stockbridge & Pittsfield R.R. Co., 
Pittsfield National Bank, 
Millerton National Bank, 
Pittsfield Coal Gas Co., . 
Pittsfield National Bank, 
Third National Bank of Pittsfield, 
Boston & Albany R R. Co., 
Pittsfield Coal Gas Co., . 
Wagner Palace Car Co.,. 



Market Value. 

$5,535 00 

15,000 00 

5,535 00 

2,240 00 

10,500 00 

21,350 00 

10,000 00 

735 00 

330 00 

2,250 00 

600 00 

6,400 00 

780 00 

3,920 00 

1,400 00 

6,000 00 

8,000 00 

1,950 00 

1,680 00 

2,640 00 

2,000 00 

2,000 00 

2,640 00 

2,000 00 

10,250 00 

2,400 00 

16,560 00 



Loaned Thereon. 

$2,700 00 



2,000 00 
15,000 00 



11,800 00 



3,000 00 

2,000 00 
1,800 00 
700 00 
1,925 00 
1,000 00 
7,500 00 
1,800 00 
3,150 73 



8 



BERKSHIRE LIFE INSURANCE COMPANY. 



Rio Grande Western R.R. Co. bonds, 

Wisconsin Central bonds, 

Ind. & St. Louis bonds, .... 

4 shares Boston & Albany R.R. Co., 
195 " Smith Paper Co., . 

500 " Jack , Lan. & Sag. R.R. Co., . 

Life insurance policies ($20,000), 

22 shares Pullman Palace Car Co., . 

20 shares Berkshire R.R. Co. stock, . 

Michigan Central R.R. Co. bonds, . 

Union Pacific R.R. bonds, 

Cleve. & Pitts. R R. Construe. & Equip, bonds 

Lawrence R.R. bonds, 

U. S. consols, ...... 

Chicago, Wis. & Minn R.R. bonds, . 

2 shares Third National Bank of Pittsfield, 
30 " Agricult Nat'l Bank of Pittsfield, 
20 " Com'l Nat'l Bank of Chicago, 111., 
Pittsburgh, Ft. Wayne & Chicago R'y bonds, 
Pittsburgh, Ft. Wayne & Chicago R'y bonds, 
Jefferson, Madison & Ind. R.R. bond, 

5 shares Boston & Albany R.R., . 

4 " Agricultural National Bank, . 
200 " Com. Cap. Stock Chic. & N. R'y Co. 

10 " Pittsfield National Bank stock, 
St. Louis and Iron Mountain R'y bonds, . 

7 shares N.Y., N.H. & Hartford R.R., . 
12 shares Boston & Albany R.R., 



Market Value. 

$3,500 00 
2,760 00 ) 
8,050 00 S 
820 00 
19,500 00 
40,000 00 ) 

3,388 00 
2,800 00 
2,440 00 
7,500 00^ 
7,700 00 j 
4,120 00 \ 
3,390 00 i 

16,200 00 J 

400 00 
7,500 00 ) 
6,700 00 I 
7,100 00 
2,840 00 ) 
2,440 00 S 
1,025 00 
1,000 00 

20,400 00 

1,320 00 

100,620 00 

1,260 00 

2,460 00 



Loaned Thereon. 

$10,000 00 

175 00 

8,000 00 

35,000 00 

1,700 00 

2,500 00 

1,850 00 

25,500 00 

300 00 

10,000 00 

5,000 00 

4,000 00 

800 00 

500 00 

15,000 00 

1,000 00 

75,000 00 

1,000 00 

2,100 00 



$421,928 00 $285,400 73 



Schedule B. 

Stocks and Bonds owned by the 



275 shares Pittsfield National Bank, . . 

300 " Agricultural National Bank, . 

250 " Adams National Bank, . 

840 " Commercial Union Telegraph Co., 

100 " Western Union Telegraph Co 

114 " North Western Telegraph Co 

121 " Berkshire Railroad Co., . 

185 " Stockbridge & Pittsfield R.R., 

220 " N.Y. Central & H. R.R. Co., 

100 " Chicago & N. W. R.R., . 

100 " Lake Shore & M. S. R R., 

100 " D. & Hudson Canal Co., 

100 " Pullman Palace Car Co., 

United States bonds, 

Boston & Albany R.R. bonds, . 



Company. 

Cost Value. 

$34,540 00 
60,000 00 
31,250 00 
19,000 00 
8,400 00 
5,976 50 
13,915 00 
21,275 00 
22,550 00 
11,409 00 
13,300 00 
12,600 00 
15,850 00 

128,720 25 
51,950 00 



Market Value. 

$36,300 00 

75,000 00 

31,250 00 

21,000 00 

8,700 00 

5,956 50 

16,940 00 

25,900 00 

21,560 00 

9,675 00 

13,300 00 

12,600 00 

15,400 00 

135,600 00 

50,500 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



9 



New York Central & H. R.R., . 

New York & New England R.R. bonds, 

Iowa Falls & Sioux City R.R., . 

St. Louis & Iron Mountain R.R. bonds, 

Chicago, Burlington & Quincy R.R., 

Burlington & Missouri R.R., 

Michigan Central RR., 

Chicago & Western Indiana R.R., 

Louisiana & Missouri R.R., 

Pittsfield Fire District bonds, . 

Hinsdale Fire District bonds, 

Readsborough (Vt.) Fire District bonds, 

West Indianapolis bonds, . 

Berkshire County loan, 

Dalton Fire District bonds, 

City of Pittsfield loan, 

Town of Cheshire loan, 

Pittsfield Fire District, 



Cost Value. 

$31,500 00 

40,037 50 

9,835 00 

10,200 00 

11,225 00 

28,687 50 

9,210 00 

10,837 50 

10,975 00 

52,500 00 

33,000 00 

9,000 00 

20,075 00 

46,850 00 

28,000 00 

24,000 00 

3,500 00 

9,000 00 



Market Value. 

$32,130 00 
39,900 00 
10,400 00 
10,400 00 
11,950 00 
28,500 00 

9,640 00 
11,600 00 
11,800 00 
51,500 00 
33,000 00 

9,000 00 
20,160 00 
47,100 00 
28,000 00 
24,000 00 

3,500 00 

9,000 00 



$839,168 25 $871,261 50 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. Roland O. Lamb, Secretary, 

Principal Office, Devonshire Street. 



Income. 
Cash received for premiums on new policies, . 
Cash received for renewal premiums, . 
Premium notes received for renewals, ..--.... 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to pay running premiums, 

Total, . ' 

Deduct amount paid for reinsurance, 

Total premium income, . 

Cash received for interest, . 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, . 

Agents 1 deposits, 



Total income, . . 
Net or ledger assets Dec. 31, 1893, 

Total, . 




1,384,298 94 

384,030 98 

15,641 06 

75,503 41 

6,972 74 

333 40 

1,866,780 53 
4,724 83 



5,862,055 70 

233,069 38 

3,109 63 

91,334 91 

505 52 

2,659 29 



14,192,734 43 
5,555,932 01 

19,748,666 44 



10 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Disbursements. 
Cash paid for losses and additions, ..... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, ....... 

Premium notes or loans used in purchase of surrendered 

policies, $851.69 5 voided by lapse, $858.97, . 
Premium notes or loans used in payment of dividends to 
policy-holders, . . . . 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 

applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

Surrender values applied to pay running premiums, 

Total paid policy-holders, ...... 

Cash paid for commissions to agents, .... 

for salaries and allowances to managers and 
agents, ........ 

for medical examiner's fees and inspections, 

for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, $8,077.41 ; on investments 

$9,369.60, 

for fees, licenses, etc., 

for rents, . 

for furniture and office fixtures, 

for advertising and printing, . . : . 

for real estate expenses, ..... 

for legal expenses, 

for incidentals, ....... 

for loss on sale of investments, 

Total disbursements, ....... 



Balance, 



.,211,303 48 

2,303 10 

56,015 77 

367 09 

1,269,989 44 
1,088 63 

1,710 6Q 

5,559 28 

1,648 50 

75,503 41 

6,972 74 

136,923 86 

333 40 



Invested in the following : — ■ 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 



$1,499,729 92 
1,042,694 21 

344,628 68 
78,401 39 
97,170 41 
19,494 89 

17,447 01 
6,519 68 
51,242 16 
6,411 91 
48,860 52 
30,753 23 
13,086 89 
36,704 49 
25,442 54 

$3,318,587 93 

$6,430,078 51 



11,278,097 81 

1,786,669 12 

7,000 00 

213,410 00 

75,379 26 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



11 



Book value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents 1 ledger balances, . 

Printing plant, . 

Loans on personal security, 

Ledger assets (as per balance), 



$2,880,302 37 

29,414 22 

143,878 00 

1,346 05 

3,500 00 

11,081 68 

$6,430,078 51 



Other Assets. 

Interest due and accrued, ..... 

Rents due and accrued, 

Market value of stocks and bonds over book, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$55,201 95 
101,972 17 



Total assets, per company's books, . 



$121,736 03 
7,032 02 
5,162 48 



Total, $157,174 12 

Deduct loading, 32,000 67 

Net am't of uncollected and deferred prem's, . — 125,173 45 



1,689,182 49 



Items not admitted. 

Agents' balances, ...... $1,346 05 

Loans on personal security, , 11,081 68 

Printing plant, 3,500 00 

Total, 15,927 73 



Total admitted assets, 



1,673,254 76 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$5,909,713 00 
Deduct net value of reinsured risks, . . . . 11,879 00 



Net reinsurance reserve, ..... 
Death losses and matured endowments in process of a 

ment, 

Unpaid dividends of surplus due policy-holders, . 

Agents' deposits, 

Premiums paid in advance, , 

Cash surrender values, ...... 

Special dividend reserve, 



djust 



Liabilities as to policy-holders, , 
Surplus as regards policy-holders, . 

Gross liabilities, . , , 



.,897,834 00 

33,129 00 

17,007 37 

2,659 29 

2,150 68 

63,964 54 

100,000 00 

1,116,744 88 
556,509 88 

1,673,254 76 



12 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, . . $74,372 69 




Premium notes received during 1894, . . 15,641 06 




Tntnl 


$90,013 75 


JL yJutll) • e • 9 • e o a ^^ 

Used in payment of losses and claims, . . $2,670 19 


Used in payment of surrendered policies, . 851 69 




Voided by lapse, 858 97 




Used in payment of dividends to policy-holders, 5,559 28 




Redeemed by maker in cash, .... 4,694 36 




Total, — — 


14,634 49 


Balance note assets Dec. 31, 1894, ..... 


$75,379 26 


Exhibit of Policies. 


i 


Policies and Additions in Force Dec. 31, 1893. 




Number. Amount, Total No. 


Total Amount. 


Whole life, . . . 4,132 $7,738,563 00 




Endowment, . . . 4,061 7,946,433 00 




All other, .... 102 187,500 00 




Reversionary additions, . - 45,553 00 




q oqk fif^ qiq A/i a no 


— . ... — — — — 0,ir«7t» <(p 1 


"?^ iu i uj «' "^ 


Policies issued during the Year. 




Whole life, . . . 1,383 $2,915,150 00 




Endowment, . . . 1,883 3,981,400 00 




All other, . 8 4,000 00 








3,269 6,900,550 00 



Whole life, 
Endowment, 

Additions by dividends, 

Total, . 



Old Policies revived. 

12 $24,674 00 

16 37,154 00 



28 



61,828 00 
24,725 00 



11,592 $22,905,152 00 



Policies terminated during the Year. 



Whole life, 
Endowment, 
All other, . 



By death, . 

maturity, 

expiry, 

surrender, 

lapse, . 

change and decrease, 
Not taken, . 



734 

921 

20 



n ,533,700 00 

2,046,004 00 

52,606 00 



1,675 $3,632,310 00 

How terminated. 

98 $202,750 00 

32 54,404 00 

17 32,000 00 

276 569,906 00 

645 1,253,100 00 

5 98,150 00 

602 1,422,000 00 



1,675 3,632,310 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 13 





Policies in Force Dec. 31, 1894. 






Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 4,793 


|9,144,687 00 




Endowment, 


. 5,039 


9,918,983 00 




All other, . 


85 


152,500 00 




Reversionary 


additions, . 


56,672 00 








9,917 


$19,272,842 00 



Industrial policies in force, .... 

Schedule A. 

Securities held as Collateral. 

Market Value. 

100 shares Middlesex Banking Company, . $9,000 00 



.681,802 $82,876,338 00 



Schedule B. 

Stocks and Bonds owned by the 



Massachusetts registered bonds, 
Massachusetts coupon bonds, . 
Washington County, 111., bonds, 
Marion County, Ind., bonds, 
Columbia County, Wash,, bonds, 
Lincoln County, Neb., bonds, . 
Finney County, Kan., bonds, . 
Thurston County, Wash , bonds, 
Yellowstone County, Mont , bonds, . 
Meagher County, Mont., bonds, 
Shoshone County, Idaho, bonds, 
Missoula County, Mont., bonds, 
Kootenai County, Idaho, bonds, 
Cascade County, Mont., bonds, 
La Plata County, Col., bonds, . 
Pitkin County, Col., bonds, 
Rio Grande County, Col., bonds, 
Franklin County, Ohio, bonds, . 
County of St. Louis, Minn., bonds, 
County of Union, Iowa, bonds, 
County of Ramsey, Minn., bonds, 
County of Wells, Ind., bonds, . 
County of Hennepin, Minn., bonds, 
County of Otter Tail, Minn , bonds, 
County of Wells, Ind., bonds, . 
County of Pierce, Wash., bonds, 
County of Hudson, N". J., bonds, 
County of Lucas, Ohio, bonds, . 
County of Marion, Ind , bonds, 
City of St. Paul, Minn., bonds, . 
City of Decatur, Ills , bonds, . 
City of Yankton, Dak., bonds, . 
City of Fremont, Neb., bonds, . 
City of Jeifersonville, Ind , bonds, 



Company. 

Book Value. 

$102,779 95 

93,270 00 

5,225 00 

15,206 25 

11,800 00 

4,195 00 

10,825 00 

10,700 00 

5,287 50 

10,600 00 

14,392 35 

10,762 50 

15,412 50 

10,tf00 00 

5,400 00 

5,400 00 

7,315 00 

9,082 80 

10,000 00 

10,000 00 

10,325 00 

10,800 00 

21,000 00 

10,450 00 

8,410 00 

10,600 00 

20,600 00 

21,112 50 

27,531 25 

10,375 00 

18,540 00 

8,496 25 

5,125 00 

13,585 00 



Amount Loaned. 

$7,000 00 



Market Value. 

$103,000 00 

106,125 00 

5,175 00 

15,150 00 

11,400 00 

4,180 00 

10,725 00 

10,600 00 

5,200 00 

10,900 00 

14,580 00 

10,600 00 

15,150 00 

10,500 00 

5,350 00 

5,350 00 

7,315 00 

9,180 00 

10,000 00 

10,000 00 

10,450 00 

10,800 00 

21,400 00 

10,450 00 

8,410 00 

10,600 00 

20,600 00 

21,112 50 

27,531 25 

11,200 00 

18,180 00 

8,755 00 

5,000 00 

13,130 00 



14 



JOHN HANCOCK MUTUAL LIFE INSUEANCE COMPANY. 



City of Sioux Falls, Dak., bonds, 

City of New Albany, Ind., bonds, 

City of Kansas City, Kan., bonds, 

City of St. Cloud, Minn., bonds, 

City of Beloit, Kan., bonds, 

City of Nebraska City, Neb., bonds, 

City of Evansville, Ind., bonds, 

City of Chattanooga, Tenn., bonds, . 

City of Fargo, Dakota, bonds, . 

City of Gladstone, Mich., bonds, 

City of Fremont, Neb., bonds, . 

City of Nebraska City, Neb., bonds, 

City of Superior, Wis., bonds, . 

City of Columbus, Ohio, bonds, 

City of Huron, So. Dak., bonds, 

City of Kansas City, Kan., bonds, . 

City of Middlesborough, Ky., bonds, 

Salt Lake City, Utah, bonds, . 

City of East Portland, Ore , bonds, . 

City of Port Townsend, Wash , bonds, 

City of Duluth, Minn., bonds, . 

City of Wichita, Kan., bonds, . 

City of Ellensburgh, Wash., bonds, . 

West Bay City, Mich., bonds, . 

City of Astoria, Ore., bonds, 

City of Council Bluffs, Iowa, bonds, 

City of Walla Walla, Wash., bonds, 

City of South Omaha, Neb , bonds, . 

City of Olympia, Wash., bonds, 

City of Cheyenne, Wyoming, bonds, 

City of Fargo, No. Dak., bonds, 

Logan City, Utah, bonds, . 

City of New Whatcom, Wash., bonds, 

City of Beatrice, Neb , bonds, . 

City of La Grande, Ore., bonds, 

City of Snohomish, Wash., bonds, . 

City of Colfax, Wash , bonds, . 

City of Fairhaven, Wash., bonds, 

City of Woodland, Cal., bonds, 

City of Lakeside, Minn., bonds, 

City of South St. Paul, Minn , bonds, 

City of Port Angeles, Wash., bonds, 

City of Denver, Col., warrants, 

City of Great Falls, Mont., bonds, * . 

City of Duluth, Minn., bonds, . 

City of Boston, Mass., registered bonds, 

City of Cleveland, O., bonds, . 

City of Somerville, Mass., bonds, 

City of Boston, Mass., registered bonds, 



Book Value. 

$14,525 00 

5,720 00 

18,235 00 

10,650 00 

6,337 50 

4,862 50 

5,000 00 

10,900 00 

5,487 50 

4,590 00 

1,020 00 

10,550 00 

10,200 00 

6,240 00 

10,000 00 

12,000 00 

12,270 00 

9,600 00 

10,925 00 

10,000 00 

5,000 00 

4,035 33 

10,000 00 

10,197 00 

10,600 00 

10,950 00 

5,350 00 

9,443 25 

10,637 50 

10,250 00 

10,800 00 

4,875 00 

10,650 00 

10,000 00 

5,190 50 

5,175 00 

10,575 00 

10,594 00 

14.536 50 
6,150 00 

16.537 50 
10,000 00 
13,860 00 
10,675 00 
21,000 00 
39,700 00 
10,500 00 
25,375 00 
20,325 00 



Market Value. 

f 13,910 00 

5,555 00 

17,850 00 

11,100 00 

6,120 00 

5,000 00 

5,000 00 

11,200 00 

5,400 00 

4,500 00 

1,000 00 

10,550 00 

10,100 00 

6,240 00 

10,000 00 

12,180 00 

12,270 00 

10,100 00 

12,000 00 

10,800 00 

5,050 00 

4,076 10 

10,300 00 

10,100 00 

10,600 00 

10,400 00 

5,275 00 

9,630 00 

10,500 00 

10,1<)0 00 

10,550 00 

5,000 00 

10,600 00 

10,000 00 

5,250 00 

5,250 00 

10,500 00 

10,500 00 

14,450 00 

6,060 00 

17,025 00 

10,250 00 

14,000 00 

10,500 00 

21,315 00 

42,935 00 

10,900 00 

26,000 00 

21,825 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



15 



City of Columbus, O., bonds, . 

City of Lynn, Mass., registered bonds, 

City of Haverhill, Mass., bonds, 

City of Columbus, O., bonds, . 

City of Toledo, O., bonds, 

City of Marietta, O., bonds, 

City of Dayton, O., bonds, 

City of Seattle, Wash., bonds, . 

City of Pawtucket, R. I., bonds, 

City of Tacoma, Wash , bonds, 

City of Jersey City, N. J., bonds, 

City of Marietta, O., bonds, 

City of Fond du Lac, Wis., bonds, 

City of South Bend, Ind., bonds, 

City of Lincoln, Neb., bonds, . 

City of Sandusky, O., bonds, . 

City of Muscatine, la., bonds, . 

City of Owosso, Mich., bonds, . 

City of Boise City, Id., bonds, . 

City of Patterson, N. J., bonds, 

City of Lynn, Mass , bonds, 

City of Woonsocket, R. I., bonds, 

City of Medford, Mass., bonds, 

City of Dayton, O., bonds, 

City of Lincoln, Neb., bonds, . 

City of Omaha, Neb., bonds, . 

City of Long Island City, N. Y., bonds, 

City of Sandusky, O., bonds, . 

Town of Spencer, Ind., bonds, 

Delaware Township, Kan., bonds, 

Elmwood Township, 111., bonds, 

Town of South Bend, Wash., bonds, 

Town of East Providence, R. L, bonds, 

Village of St. Albans, Vt., bonds, 

Board of Education, Emporia, Kan., bonds, 

Wyandotte Co., Kan., School District bonds, 

City of Seattle, Wash., bonds, . 

City of Albina, Ore , bonds, 

City of Helena, Mont., bonds, . 

Ouray County, Col , bonds, 

City of Moscow, Id., bonds, 

Arapahoe Count} 7 , Col., bonds, 

Gallatin County, Mont., bonds, 

Ind. School District, Duluth, Minn., bonds, 

Board of Education, Cleveland, O., bonds, 

City of Springfield, Mo., School District bonds 

Board of Education, Springfield, O , bonds, 

Board of Educ'n, Arkansas City, Kan., bonds 

Minneapolis Gas Light Co., Minn., bonds, 



Book Value. 

,375 00 

20,000 00 

15,337 50 

10,175 00 

21,300 00 

16,012 50 

10,762 00 

10,000 00 

10,000 00 

10,100 00 

26,812 50 

4,170 00 

21,275 00 

23,406 00 

10,400 00 

12,487 50 

10,375 00 

10,750 00 

10,350 00 

11,412 50 

31,000 00 

20,000 00 

20,000 00 

21,293 00 

5,589 00 

10,675 00 

20,400 00 

38,040 00 

5,115 00 

9,500 00 

4,975 00 

5,000 00 

10,000 00 

10,000 00 

14,700 00 

4,200 00 

10,287 50 

10,675 00 

10,400 00 

5,500 00 

7,717 50 

5,162 50 

4,758 75 

10,000 00 

10,050 00 

15,450 00 

10,425 00 

3,112 50 

10,500 00 



Market Value. 

$10,950 00 

21,000 00 

16,050 00 

10,337 50 

21,950 00 

16,200 00 

10,825 00 

10,300 00 

10,250 00 

10,150 00 

27,500 00 

4,170 00 

21,275 00 

23,600 00 

10,500 00 % 

12,487 50 

10,375 00 

10,750 00 

10,350 00 

11,412 50 

32,346 25 

21,125 00 

20,650 00 

21,337 50 

5,589 00 

10,675 00 

20,400 00 

38,047 50 

5,100 00 

10,500 00 

5,000 00 

5,200 00 

10,100 00 

10,000 00 

14,560 00 

4,120 00 

10,500 00 

10,600 00 

10,275 00 

5,287 50 

7,402 50 

5,062 50 

4,702 50 

10,000 00 

10,200 00 

15,450 00 

10,425 00 

3,090 00 

10,250 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Saratoga Gas & Elec. Light Co., N. Y., bonds, . 
Central Special Drainage District, 111., bonds, 
The Middlesex Banking Co., Conn., bonds, 
New England Mort. Sec. Co , Mass , bonds, 
Pt. Chester Con. Gas & Elec. I/t Co., N. Y ., Vds 
St. Paul Gas Light Company, Minn., bonds, 
The Colorado Mining Stock Exchange bonds, 
Kansas City Electric Light Company bonds, 
United Electric Securities Company bonds, 
Land & Riv. ImprVt Co., W. Sup., Wis., bonds 
Sanitary District of Chicago, 111., bonds, 
Old Colony Railroad Company bonds, 
New York & New England Railroad Co. b\3s, 
Cheshire Railroad Company bonds, . 
Saginaw Valley & St. Louis R.R. Co. bonds, 
Chicago, Milwaukee & St. Paul R.R. Co. bonds 
Lowell & Lawrence Railroad Company bonds 
Oregon Railway & Navigation Co., bonds, 
Consolidated Railroad Co. of Vermont bonds 
Quincy, Alton & St. Louis Railway bonds, 
Leavenworth, Topeka & So West. Ry. bonds 
Cleve., Columbus, Cin. & Ind. R.R. bonds, 
Wisconsin Central Railroad bonds, . 
Atchison, Colorado & Pacific Railway bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Little Rock & Fort Smith Railway bonds, 
Carolina Central Railway bonds, 
James River Valley Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Louis Cable & Western Railway bonds, 
Spokane & Palouse Railroad bonds, 
Helena & Red Mountain Railroad bonds, 
The Marietta Mineral Railway bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Atchison, Topeka & Sante Fe Railroad bonds 
Oregon Railway & Navigation Co. bonds, 
Canton Street Ry. & Lake Side St. R.R. bonds, 
Des Moines Street Railroad bonds, . 
The Chicago & Atchison Bridge Co. bonds, 
Tarkio Valley Railroad bonds, 
St Louis & Suburban Railway bonds, 
Cincinnati, Dayton & Ironton R R. bonds, 
Kan. City & Memphis Ry. & Bridge Co. bonds 
The Northern Pacific Terminal Co. bonds, 
Minn , Lyndale & M'ka & M'n St. R'y bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & West Michigan Railway bonds, 
Great Northern Railway bonds, 
West End St. Railway (Rock-ford, 111.), bonds 



Book Value. 

$10,350 00 
5,162 50 
10,000 00 
10,000 00 
4,462 50 
9,750 00 
10,000 00 
5,985 00 
36,300 00 
9,900 00 
21,125 00 
1,020 00 
20,862 50 
5,500 00 
19,680 00 
10,612 50 
1,115 00 
10,761 90 
4,180 00 
9,587 50 
2,210 00 
9,750 00 
8,787 50 
4,275 00 
22,300 00 
6,800 00 
9,975 00 
5,400 00 
10,837 50 
11,742 50 
7,400 00 
5,450 00 
■ 9,500 00 
10,200 00 
47,925 00 
4,650 00 
10,475 00 
10,675 00 
19,950 00 
9,967 50 
8,550 00 
19,300 00 
19,362 50 
10,700 00 
18,750 00 
2,000 00 
9,850 00 
13,725 00 
10,000 00 



Market Value. 

$10,000 00 
5,000 00 
10,000 00 
10,000 00 
4,000 00 
10,000 00 
10,000 00 
6,000 00 
36,300 00 
10,000 00 
21,000 00 
1,050 00 
21,600 00 
5,275 00 
8,000 00 
11,800 00 
1,060 00 
10,750 00 
6,574 00 
10,000 00 
1,500 00 
12,000 00 
9,800 00 
3,800 00 
24,600 00 
9,500 00 
7,500 00 
5,000 00 
5,700 00 
11,000 00 
8,000 00 
5,000 00 
7,500 00 
9,850 00 
44,800 00 
5,000 00 
10,000 00 
10,000 00 
18,000 00 
9,540 00 
7,920 00 
20,000 00 
19,000 00 
9,600 00 
19,000 00 
2,032 50 
6,650 00 
13,500 00 
10,000 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



17 



Kansas City Elevated Railway bonds, 
Metropolitan W. S. El'd R'y (Chicago) bonds 
Union Pacific Railway notes, . 
Consol. St. R'y (Grand Rapids, Mich.) bonds 
Atchison, Topeka & Santa Fe R.R. bonds, 
Kansas City, Ft. Scott & Memphis R.R. bonds 
Superior Rapid Transit Railway bonds, . 
Metropolitan Railway (Denver, Col.) bonds, 
Portland Consolidated Street R'y (Ore.) bonds 
Keithsburg Bridge Co. (111.) bonds, 
St. Paul City Railway bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 
Oregon Short Line & Utah North. R'y bonds 
Mexican Northern Railway bonds, . 
Rio Grande Western Railway bonds, 
Louisville, New Albany & Chicago R'y bonds, 
The Colorado Springs Rapid Transit R'y bonds, 
Salt Lake City Railroad bonds, 
Centralia & Chester Railroad bonds, 
The Wichita Electric R'y & Light Co. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Fitchburg Railroad bonds, 
Boston & Lowell Railroad bonds, 
Boston & Maine Railroad bonds, 
Eastern Railroad Company of Minn, bonds, 
Concord & Claremont Railroad bonds, . 
Fitchburg Railroad bonds, 
Car'ge, Watert'n & Sacketts H'bor R.R. bonds 
Cambridge Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
St. Johnsbury & Lake Champlain R.R. bonds 
Maine Central Railroad bonds, 
Portland & Ogdensburg Railway bonds, . 
Chicago & West Michigan R'y Co. bonds, 
Kan. City, Mem. & Birming. R.R Co. bonds, 
100 shares New England National Bank, 
50 " Tremont National Bank, 
35 " Boylston National Bank, 
100 " Continental National Bank, . 
100 " Washington National Bank, . 
22 " State National Bank, 
100 " Boston Nat'l B'k of Seattle, Wash. 
25 " American Loan and Trust Co., 
400 " Chicago, Burl. & Quincy R.R., 
55 " Central Massachusetts Railroad, 
75 " Boston & Maine Railroad, 
40 " Met. West Side Elev. R.R. (Chic), 



Book Value. 

$10,500 00 
18,600 00 
23,731 25 

4,669 00 
10,455 43 
19,021 25 
10,200 00 
15,300 00 
15,600 00 
10,000 00 

9,250 00 
13,200 00 

8,625 00 
10,000 00 
15,475 00 
15,899 00 
10,100 00 
10,000 00 

9,500 00 

9,500 00 
23,000 00 
10,567 50 
25,000 00 
45,500 00 
10,055 00 
15,262 50 
31,250 00 
11,500 00 
13,585 00 
20,578 12 
22,950 00 
25,000 00 

5,325 00 
125 00 

3,030 25 
12,031 00 

5,590 50 

4,362 50 
10,150 00 
13,537 50 

2,531 50 
10,000 00 

2,550 00 
31,134 62 

3,208 25 

8,236 12 
400 00 



Market Value. 

$10,000 00 

14,200 00 

21,875 00 

4,750 00 

6,800 00 

25,000 00 

10,200 00 

15,300 00 

15,000 00 

10,000 00 

9,500 00 

13,256 25 

9,400 00 

10,000 00 

13,600 00 

12,800 00 

10,000 00 

10,000 00 

9,500 00 

7,500 00 

24,100 00 

11,000 00 

25,900 00 

48,475 00 

10,100 00 

15,450 00 

32,100 00 

11,500 00 

13,520 00 

20,800 00 

23,000 00 

25,375 00 

5,325 00 

87 50 

3,690 00 

16,250 00 

4,275 00 

4,445 00 

11,050 00 

11,100 00 

2,552 00 

9,000 00 

3,650 00 

28,400 00 

2,695 00 

12,000 00 

400 00 



$2,880,302 37 $2,885,464 85 



18 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 1851.] 

M. V. B. Edgerly,* President. • John A. HALL,f Secretary. 

Income. 

Cash received for premiums on new policies, .... $494,046 77 

Cash received for renewal premiums, 2,131,531 96 

Premium notes received for new policies, .... 10,655 00 

Premium notes received for renewals, 182,969 64 

Dividends applied to pay running premiums, .... 293,165 13 

Dividends applied to purchase paid-up additions, . . . 35,888 39 

Surrender values applied to purchase paid-up insurance, . 2,285 00 

Total, $3,150,541 89 

Deduct amount paid for reinsurance, . . . . . 41,181 47 

Total premium income, $3,109,360 42 

Cash received for interest, 650,910 38 

as discount on claims paid in advance, . . 1,132 07 

for rents of company's property, . . . 23,005 61 

for profits on securities sold, .... 31,082 57 

for reinsurance, 7,768 34 

Premium notes or loans restored, 1,899 68 



Total income, 
Net or ledger assets Dec. 31, 1893, 



$3,825,159 07 
13,535,093 13 



Total, 

Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 
Cash paid on matured instalment policies, . • < 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 
Premium notes or loans used in payment of dividends to 

policy-holders, 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions, . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 
Interest on surrender values paid policy-holders, . 

Total paid policy-holders, 



$17,360,252 20 



110 94 

23,128 55 

144,347 73 

3,348 27 

1,336 81 



,120,272 30 
5,000 00 



.,115,272 30 

60,949 36 

65,583 14 

19,104 46 

293,165 13 

35,888 39 

362,905 76 

2,285 00 

880 01 

L, 956,033 55 



* Since deceased ; now, John A. Hall, j Henry M. Phillips, since elected. 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



19 



Cash paid for commissions to agents, new policies, $251,842.74 

renewals, $157,981.78, 

Cash paid for salaries and allowances to managers and 

agents, 

Cash paid for medical examiner's fees and inspections 

for salaries of officers and home office employees 

for taxes on premiums, ..... 

for taxes on reserves, $18,655.61 ; on investments 
$5,784.27, 

for fees, licenses, etc., 

for rent, .... 

for furniture and office fixtures, 

for advertising and printing, 

for real estate expenses, . 

for legal expenses, . 

for incidentals, . 

Total disbursements, . 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, ...... 

Cash deposited in bank, ....... 

Ledger assets (as per balance), 

Other Assets. 



$409,824 52 

86,705 14 

40,147 35 

103,774 18 

20,021 28 

24,439 88 
9,310 81 

29,500 13 
3,827 33 

29,269 63 

13,862 26 
898 37 

42,375 05 

12,769,989 48 
$14,590,262 72 



$539,872 84 

5,141,722 72 

1,266,624 00 

800,156 00 

650,494 03 

5,391,028 33 

28,084 29 

772,280 51 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 



114,590,262 72 

. $321,356 36 

2,971 38 

37,523 43 

. 221,019 37 



Uncollected premiums on policies 
in force, ..... 

Deferred premiums on policies in 
force, 



New Business. 



Renewals. 



$96,883 28 



Total, .... 
Deduct loading (20 per cent.), 

Net amount of uncollected and de- 



. 82,972 84 

.$179,856 12 
. 35,971 22 



|114,227 17 

306,208 38 

$420,435 55 
84,087 11 



ferred premiums, 



. $143,884 90 $336,348 44 



480,233 34 



Total assets, per company's books, 



$15,653,366 60 



20 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Liabilities. 
Computed premium reserve or net present value of all out 

standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, .... 

Net reinsurance reserve, .... 
Death losses and matured endowments in proc- 
ess of adjustment, 

Claims resisted by the company, 
Present value of unpaid instalments, 

Total policy claims, . .. . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 



,457,936 00 
185,637 00 



$14,272,299 00 



,993 00 

8,450 00 

18,956 38 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 



Gross liabilities, . 



Premium Note Account 



118,399 38 

118,352 58 

2,770 35 



114,511,821 31 
1,141,545 29 



$15,653,366 60 



Premium notes on hand Dec. 31, 1893, 
received during 1894, 
restored by revival of policies 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



Balance note assets Dec. 31, 1894, 



$617,400 42 

193,624 64 

1,899 68 



$26,476 82 
60,949 36 
62,819 06 
12,185 47 



$812,924 74 



162,430 71 
$650,494 03 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. 

. 26,352 $71,546,000 00 

. 4,496 10,580,443 00 

518 1,423,970 00 

210,556 00 



Total Amount. 



31,366 $83,760,969 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 7,713 $19,119,850 00 
431 968,700 00 

111 306,000 00 



8,255 20,394,550 00 



Old Policies revived. 
47 $177,602 00 

6 10,000 00 



53 



187,602 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 21 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies increased. 

Number. Amount. 

|73,635 00 

17,790 00 

1,000 00 



Total No. Total Amount. 



$92,425 00 
76,547 00 

39,674 $104,512,093 00 



Policies terminated during the Year. 
Whole life, . . . 4,668 $12,896,359 00 
Endowment, ... 465 1,186,705 00 
All other, .... 147 551,749 00 



5,280 $14,634,813 00 



How terminated. 



By death, . 

maturity, 

expiry, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



351 

66 

39 

1,367 

1,812 

1,645 



$987,026 00 
143,609 00 
111,750 00 
3,351,447 00 
4,237,761 00 
1,082,820 00 
4,720,400 00 



5,280 14,634,813 00 



Policies in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



29,427 $77,990,528 00 

4,468 10,385,228 00 

499 1,229,549 00 

271,975 00 



34,394 $89,877,280 00 



7 shares P. C. Cheney Company, . 
10 " East Tilton Pulp Company, 
13 " P. C. Cheney Company, . 
10 " Excelsior Paper Stock Company, 

5 " Amer. Speaking Tel. Company, 

6 " N. Y. & N. J. Telephone Co., . 
50 " Albany Card & Paper Company, 
Life insurance assigned to company, 
100 shares Albany Card & Paper Company, 
Life insurance assigned to company, 
35 shares United Electric Light Company, 
50 " L. L. Brown Paper Co., Adams, 

Mass., . . . 



Schedule A. 

Securities held as Collateral. 

Market Value. 

$6,300 00 

500 00 

11,700 00 

500 00 

750 00 

600 00 

1,750 00 

2,500 00 

3,500 00 

2,500 00 

3,850 00 



Loaned Thereon. 

$5,900 00 

10,000 00 
1,000 00 

3,000 00 

5,000 00 
2,500 00 



10,000 00 10,000 00 



22 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



83 

26 

60 

146 

240 



2,000 00 



Market Value. Loaned Thereon. 

157 shares Springfield Fire & Mar. Ins. Co., . $31,400 00 $23,000 00 

5 " Springfield Street Railway Co., . 1,125 00 ? 

10 " Third National Bank, . . . 2,000 00 S 

People's Savings Bank, 2,000 00 2,000 00 

5 shares Springfield Street Railway Co., . 1,125 00 ? a oon no 

20 " Springfield Fire & Mar. Ins. Co., . 4,000 00 S 

100 " Wason Manufacturing Company, . 12,500 00 10,000 00 

100 " Union Pacific Railway Company, . 1,100 00 "| 

22 " Chicago & Alton Railroad Co., . 3,212 00 I 

7 " Pullman Palace Car Company, . 1,071 00 \ 6,000 00 
50 " Boston & Mont. Copper & Silver 

Mining Company, . . 1,675 00 J 

Southern Central R.R. Co. of New York, . 4,000 00 3,000 00 

20 shares United Electric Light Company, . 2,200 00 1,400 00 

75 " Morgan Envelope Company, . . 7,500 00 ^ 

Hartford Manilla Company, . . 4,150 00 ' 

Edison Electric Ilium. Company, . 1,750 00 j 16,000 00 

United Electric Light Company, . 6,600 00 J 

New Hampshire Fire Ins. Co., . 23,360 00 ^ 

People's Gas L't Co., Manchester, . 19,200 00 i 40,000 00 

Guaranty Fund of the Guaranty Savings B'k, . 13,500 00 ) 

150 shares Nonotuck Paper Company, . . 22,500 00 15,000 00 

48 " National Bank of Des Moines, la., . 5,760 00 4,800 00 

78 " Agawam National Bank, . . 7,800 00 6,300 00 

Conn. River Paper Company, . . . 80,000 00 75,000 00 

20 shares Holyoke Street Railway Company, 4,500 00 4,000 00 
100 " Union National Bank, Chicago, . 20,000 00 15,000 00 

26 " Springfield Street Railway Co., . 5,850 00 5,000 00 

180 " Oregon Natl Bank, Portland, Ore., 13,500 00 

50 " Portland Con. Street Railway Co., . 6,500 00 

63 " Chapman Yalve Mfg. Company, . 13,230 00^ 

50 " Metallic Drawing Roll Company, . 10,000 00 > 25,000 00 

Phila., Reading & New England R.R. Co., . 7,500 00 ) 

60 shares Boies State Savings Bank, . . 6,000 00 4,000 00 

50 " United Electric Light Company, . 5,500 00 5,000 00 

400 " Fairfield Paper Co., Russell, Mass., 40,000 00 22,000 00 

50 " Boston Herald Company, . . 50,000 00 8,000 00 

25 " Springfield Street Railway Co., . 5,625 00 5,000 00 

287 " Owasco River Railroad Company, . 28,700 00 25,000 00 

10 " Manchester Gas Light Company, . 7,000 00 n 

15 " Amoskeag National Bank, . . 2,400 00 i 10,000 00 

15 " New Hampshire Fire Ins. Co., . 2,400 00 ) 

21 " Pullman Palace Car Company, . 3,213 00 n 

50 " Boston & Maine Railroad Co., . 8,000 00 i 7,850 00 

50 " American Sugar & Refining Co., . 4,450 00 ) 

10 " John Hancock National Bank, . 1,250 00 1,000 00 

Hoosac Tunnel & Wilmington Railroad Co., . 110,000 00 100,000 00 

50 shares Boston & Maine Railroad, . . 8,000 00 

N. Y. & N. E. R.R. Boston terminal bonds, . 73,700 00 



15,000 00 



70,000 00 



17,000 00 
25,000 00 

202,000 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 23 

Market Value. Loaned Thereon. 

150 shares Conn. River Paper Company, . f 15,000 00 $10,000 00 

5 " United Electric Light Company, . 550 00 400 00 
75 " Metallic Drawing Roll Co., . . 15,000 00 

100 " Phelps Publishing Company, . 20,000 00 

248 " Barre, Vt., Water Company, . 20,000 00 

607 " Revere, Mass., Water Company, . 55,000 00 
2,000 " Chic. Junct. R'y & Union Stock 

Yards Company, . . . 210,000 00 

2,000 " Ogdensburg Transit Company, . 5,000 00 

10 " Third N'l B'k, Springfield, Mass., 2,000 00 2,000 00 

25 " Springfield Safe Deposit & Trust ^ 

Company, Springfield, Mass., . 3,750 00 ( 6,000 00 

25 " Nat'l B'k of Commonw'th, Boston, 3,250 00 ) 

20 " Standard Gas Light Company, . 1,040 00 650 00 

6 " United Electric Light Company, . 660 00 550 00 
1,000 " Buffalo, Roch. & Pitts. R.R. Co., . 60,000 00 52,500 00 
Des Moines & Kan. City Railway, . . . 284,000 00 284,000 00 
30 shares Merchants' Nat'l B'k, Topeka, Kan., 3,240 00 2,500 00 
Springfield Steam Power Company, . . 44,000 00 40,000 00 

Iowa Central gold bond, 870 00 650 00 

Hampden Savings Bank, Springfield, Mass., . 1,118 86 624 00 

200 shares Conn. River Railroad Company, . 49,600 00 ) ?r ,-v™ ™ 

100 shares Springfield Fire & Marine Ins. Co., 20,000 00 S 

$1,555,374 86 $1,266,624 00 

Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Massachusetts Armory Loan bonds, . . $100,000 00 $100,000 00 

Chicago & .Northwestern Railway Co. bonds, . 100,000 00 107,000 00 

Burlington & Mo. River Railroad Co. bonds, . 890 00 900 00 

Chicago, Burlington & Quincy R.R. Co. bonds, 110,300 00 111,530 00 

Chicago, Burl. & Northern R.R. Co. bonds, . 69,300 00 78,750 00 

Mahoning Coal Railroad Company bonds, . 45,097 24 57,500 00 

Southern Central Railroad Co. of N.Y. bonds, 53,490 00 29,670 00 

Lebanon Springs R.R. Co. of N. Y. bonds, . 38,002 01 38,002 01 

Oregon Short Line Railroad Company bonds, 43,822 50 44,000 00 

Iowa Central Railroad Company bonds, . . 63,350 43 52,200 00 

Northern Pacific Railroad Company bonds, . 14,000 00 14,000 00 

Helena & Red Mountain Railroad Co. bonds, . 40,000 00 10,000 00 

Cedar Rapids, Ta. Falls & N. W. R.R. bonds, . 50,000 00 50,000 00 

Verdigras Valley, Ind. & Western R.R. bonds, 40,000 00 40,000 00 

Boston, Hoosac Tunnel & Western R.R. bonds, 43,804 00 46,000 00 

Louisville & Nashville Railroad bonds, . . 34,187 50 36,000 00 

E. Tenn., Virginia & Georgia R.R. bonds, . 49,062 50 45,500 00 

Grand Rapids, Lansing & Detroit R.R. bonds, 100,000 00 100,000 00 

St. Louis, Council Bluffs & Omaha R.R. bonds, 25,000 00 26,250 00 

Nash., Chattanooga & St. Louis Railroad bonds, 50,000 00 55,000 00 



24 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



St. Paul, Minn. & Manitoba Railroad bonds, 

Maine Central Railroad bonds, 

Peoria & Eastern Railroad bonds, . 

Pittsb , Painesville & Fairport Railroad bonds 

Texas & Pacific Railroad bonds, 

Chic. June. R'y & Union Stock Yards bonds, 

Rio Grande & Western Railroad Co. bonds, 

Oregon Improvement Company bonds, . 

St. Louis & Southwestern Railroad Co. bonds 

Woonsocket & Pascoag Railroad bonds, 

Wisconsin Central Railroad bonds, 

Wabash Railroad Company bonds, 

Great Northern Railroad bonds, 

Virginia Midland Railroad bonds, 

Connecticut River scrip, . 

New York, New Haven & Hart. R.R. Co. bonds 

Bangor & Aroostook Railroad Co. bonds, 

Kansas City, Memphis & Birmingham bonds 

Savannah & Western Railroad bonds, 

Western North Carolina Railroad bonds, 

Washington, Ohio & Western R.R. bonds, 

Des Moines & Kansas City R.R. bonds, . 

Springfield Masonic Hall Association bonds, 

State of Tennessee bonds, 

City of Seattle, Wash., bonds, . 

State of Alabama bonds, . 

City of Fair Haven, Wash., bonds, 

City of Columbus, 0., bonds, . 

Jay County, Ind., funding bonds, 

Leavenworth County, Kan., school bonds, 

Leavenworth County, Kan., funding bonds, 

Chautauqua County, Kan., bonds, 

Cowley County, Kan., bonds, . 

Saline County, Kan., bonds, 

Clay County, Kan., bonds, 

White County, 111., bonds, 

Perry County, 111., bonds, . 

Saline County, 111., bonds, ". . 

Lancaster County, Neb., bonds, 

Henry County, Ohio, bonds, 

Town of Kewanee, Henry Co., 111., bonds, 

Town of Douglass, 111., bonds, . 

Town of Oswego, Kan., bonds, 

City of Toledo, O., bonds, 

City of Burlingame, Kan., bonds, 

City of Kansas, Kan , bonds, . 

City of Morehead, Minn., bonds, 

Citv of Paris, Tex., bonds, 



Cost Value. 

$42,874 75 
49,875 00 
84,769 72 
47,500 00 
45,300 00 
77,750 00 
17,125 00 
51,737 00 
41,220 00 
37,000 00 
45,375 00 

153,984 81 
45,375 00 
85,350 00 

124,600 00 
45,000 00 
27,500 00 
49,420 00 
75,000 00 
44,830 00 

200,000 00 
70,000 00 
75,866 25 
98,500 00 
24,000 00 
50,000 00 
49,000 00 
80,000 00 
5,358 83 
29,400 00 
37,620 00 
50,000 00 
58,000 00 
48,000 00 

100,000 00 

12,000 00 

30,000 00 

69,970 00 

30,000 00 

20,000 00 

32,000 00 

28,500 00 

1,000 00 

4,000 00 

5,900 00 

10,000 00 

50,000 00 



Market Value. 

$45,000 00 

52,500 00 

65,700 00 

50,000 00 

43,000 00 

84,530 00 

17,500 00 

42,500 00 

32,590 00 

38,850 00 

26,500 00 

175,000 00 

45,000 00 

96,000 00 

400 00 

171,948 00 

47,500 00 

9,430 00 

55,000 00 

86,250 00 

46,750 00 

200,000 00 

70,000 00 

82,000 00 

105,000 00 

25,680 00 

52,500 00 

53,410 00 

85,600 00 

5,358 83 

31,500 00 

38,760 00 

52,500 00 

58,000 00 

52,500 00 

106,000 00 

12,000 00 

30,000 00 

70,000 00 

31,500 00 

21,000 00 

32,000 00 

30,000 00 

1,000 00 

4,000 00 

5,900 00 

10,500 00 

52,500 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



25 



City of Clinton, la., bonds, 
Marshalltown, la., funding bonds, . 
Pleasant Corner, la., bonds, 
Freeman Manufacturing Company bonds, 
City of Lexington, Ky., bonds, . 
City of Nashville, Tenn., bonds, 
City of Norfolk, Neb., water bonds, . 
Kansas City Tax Warrants, 
Wallingford Gas Light Company bonds, 
Council Bluff City Water Company bonds, 
City of Fairfield Water Companj 7 bonds, . 
Horn ell sville Water Company bonds, 
National Water Works Co., N. Y., bonds, 
City Water Works Company of Omaha bonds 
Leavenworth City & Fort L. Water Co., bonds 
Knoxville Water Company bonds, . 
Chippewa Falls Water Works bonds, 
Crookston Water W'ks Power & L't Co. bonds 
Thompsonville Water Works bonds, 

34 shares First N'l B'k stock, Northampton 
65 " Franklin Co. B'k stock, Greenfield 
50 " Globe National B'k stock, Boston 
246 " First National B'k stock, Chelsea 
625 " Boston & Albany R.R. stock, 
2,000 " Chic. Jc. R'y & U. S. Yds. stock, 
600 " Albany &Susqueha'n a R.R. stock 
302 " N. Y., N. H. & H. R.R. stock, 
646 " C, B. & Q. R.R. stock, . 
300 " Chicago & No. Western stock, 
300 " Det., Hillsdale & So. West'n stock 
2,000 " N. Y., Chicago & St. Louis stock 
2,246 " Boston & Maine R.R. stock, . 
100 " Iowa Central R.R. stock, 
20 " Oregon Short Line stock, 
8 " Conn. River R.R. stock, 
3 " Port , Saco & Portsmouth stock, 
100 " Agawam Mfg. Co., Sp'g'd, stock, 
2,500 " Leadville P'w'r, W'r & M'g stock 
280 " Silverton W'r Supply Co. stock, 
50 " St. Louis & So. West'n R.R. stock 



Cost Value. 

$20,000 00 
29,000 00 
10,000 00 
30,000 00 
49,250 00 

100,000 00 
16,000 00 
46,888 00 
19,500 00 
30,000 00 
17,575 00 
24,375 00 
97,500 00 
75,000 00 
50,000 00 
34,500 00 
34,868 15 
45,000 00 
25,000 00 
3,455 50 
6,305 00 
5,287 50 
31,980 00 
75,021 86 

191,055 00 
76,362 50 
53,679 50 
77,704 33 
32,975 00 
22,633 00 

142,400 00 

327,157 50 



2,105 00 
369 00 

5,000 00 
25,229 00 
26,844 95 



Market Value. 

$21,000 00 

30,450 00 

10,500 00 

30,000 00 

55,000 00 

106,000 00 

16,000 00 

49,955 36 

21,000 00 

31,500 00 

19,950 00 

26,250 00 

100,000 00 

82,500 00 

55,000 00 

36,750 00 

40,700 00 

49,500 00 

26,250 00 

4,420 00 

6,500 00 

4,950 00 

30,750 00 

125,000 00 

210,000 00 

102,000 00 

58,890 00 

45,866 00 

29,100 00 

27,000 00 

140,000 00 

359,360 00 

2,500 00 

100 00 

1,984 00 

372 00 

5,000 00 

25,229 00 

30,800 00 

462 50 



>,391,028 33 $5,612,047 70 



26 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benj. F. Stevens, President. S. F. Trull, Secretary. 

Principal Office, Post Office Square. 



Income. 

Cash received for premiums on new policies, . 

Cash received for renewal premiums, 

Premium notes received for new policies, 

Premium notes received for renewals, 

Distributions applied to pay running premiums, 

Distributions applied to purchase paid-up additions, 

Surrender values applied to purchase paid-up insurance, 



Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 
Profit and loss account, 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



Total, 



$220,815 87 

1,541,933 85 

109,916 00 

676,644 29 

464,487 88 

17,311 85 

48,396 65 



53,079,506 39 

1,030,518 77 

75,554 35 

18,061 02 



$4,203,640 53 
22,384,864 52 



Disbursements. 

Cash paid for losses and additions, ..... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Premium notes or loans used in purchase of surrendered 

policies, |20,098.95 ; voided by lapse, $42,347.07, . 
Premium notes or loans used in payment of dividends to 

policy-holders, 

Cash distributions paid policy-holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 

Total paid policy-holders, 

Cash paid for commissions to agents, new policies, $109,404.28 

renewals, $102,464.89 

Cash paid for salaries and allowances to managers and agents, 



,588,505 05 



,402,428 05 
44,413 95 

233,969 94 
10,171 06 



$1,690,983 00 

62,446 02 

9,110 95 
39,676 97 

464,487 88 
17,311 85 

496,530 65 
48,396 65 



$2,828,943 97 

211,869 17 
21,568 80 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



27 



Cash paid for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 
for taxes on premiums, .... 
for taxes on reserves and on investments, 
for fees, licenses, etc., 

for rent, 

for commuting commissions, . 

for furniture and office fixtures, 

for advertising and printing, . 

for real estate expenses, . 

for legal expenses, . 

for incidentals, .... 

for accrued interest on securities purchased, 

Total disbursements, . 

Balance, 



$17,717 23 

107,093 33 

25,854 97 

39,210 81 

7,733 35 
16,159 19 
19,341 41 

5,047 88 
31,736 76 
27,187 94 

5,613 74 
63,806 30 

5,012 99 



;,433,897 84 



$23,154,607 21 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Ledger assets (as per balance), 



$1,824,292 98 

4,181,008 00 

1,626,639 78 

112,784 36 

869,180 94 

13,892,869 72 

647,831 43 



$23,154,607 21 



Other Assets. 

Interest due and accrued, 

Rents accrued, 

Market value of stocks and bonds, over cost, . 



. $218,366 39 

12,676 25 

678,219 64 



New Business. Eenewals. 

Uncollected premiums on policies 

in force, $29,628 24 $206,570 79 

Deduct loading (20 per cent.), . 5,925 65 41,314 16 



Net am't of uncollected prem's, . $23,702 59 $165,256 63 



Total assets, per company's books, . 



188,959 22 



$24,252,828 71 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . 



$22,000,188 00 



28 NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 

Death losses due and unpaid, .... $48,563 00 
Matured endowments due and unpaid, . . 20,708 00 

Total policy claims, $69,271 00 

Unpaid distributions of surplus due policy-holders, . . 116,002 59 



Liabilities as to policy-holders, $22,185,461 59 

Surplus as regards policy-holders, . . . . . 2,067,367 12 

Gross liabilities, $24,252,828 71 

Premium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $905,073 50 

Premium notes received during 1894, . . 786,560 29 

Total $1,691,633 79 

Used in payment of losses and claims, . . $54,585 01 

Used in payment of surrendered policies, . 20,098 95 

Voided by lapse, 42,347 07 

Used in paym 1 t of distributes to policy-holders, 9,110 95 

Redeemed by maker in cash, .... 696,310 87 

Total, 822,452 85 



Balance note assets Dec. 31, 1894, $869,180 94 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 8,758 $25,687,064 00 
Endowment, . . . 22,862 65,256,389 00 
All other, .... 536 1,485,566 00 



32,156 $92,429,019 00 
Endowment policies issued during the year, . . 3,831 10,269,350 00 

Old Policies revived. 
Whole life, ... 11 $33,099 00 

Endowment, ... 20 50,572 00 

83,671 00 



Old Policies increased. 
Whole life, ... - $122,997 00 

Endowment, ... 1 528,470 00 



1 651,467 00 

Additions by dividends, - 45,722 00 

Total, . . . . . . . . 36,019 $103,479,229 00 

Policies terminated during the Year. 

Whole life, . . .343 $1,218,707 00 
Endowment, . . . 2,594 8,158,582 00 
All other, .... 86 233,553 00 



3,023 $9,610,842 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



29 





How terminated. 








Number. 


Amount. 


Total No. 


Total Amount. 


By death, . 


445 


$1,350,754 00 






maturity, 


98 


240,899 00 






expiry, 


81 


213,000 00 






surrender, . 


1,160 


3,059,974 00 






lapse, . 


776 


1,940,044 00 






change and decrease, 


1 


1,644,671 00 






Not taken, 


462 


1,161,500 00 


3,023 


$9,610,842 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 

. 8,426 $24,633,118 00 

. 24,120 67,983,256 00 

450 1,252,013 00 



32,996 $93,868,387 00 



Schedule A. 

Securities held as Collateral. 



Huntington Avenue Lands stock, 

Chicago, Burlington & Quincy stock, 

Rio Grande Western R.R. bonds, 

Flint & Pere Marquette R.R. stock, 

Mexican Central R.R. bonds, . 

Oregon Improvement Co. bonds, 

Pullman Palace Car Co. stock, 

Atchison, Topeka & Santa Fe bonds, 

Swift & Co. bonds, .... 

Third National Bank of Boston stock, 

Boston National Bank of Seattle stock, 

Hingham Water Co. stock, 

Huntington Avenue Lands stock, 

Westminster Bank of Providence stock, 

N. E Safe Dep. & Trust Co. of Missouri stock 

Metropolitan Street Ry. Co. stock, . 

Western Gas Co. stock and bonds, . 

Connecticut River R.R. stock, . 

Kansas City Stock Yards Co., . 

Boston Northwest Real Estate Co. stock, 

Atchison, Topeka & Santa Fe bonds, 

Rutland R.R. Co. bonds, . 

Chicago, Burlington & Northern bonds, 

Duluth & Iron Range bonds, . 

Evansville, Terre Haute & Chicago bonds, 

Milwaukee, Lake Shore & Western bonds, 

Westchester Water Works bonds, . 

Evansville, Terre Haute & Chicago bonds, 



Market Value. 

$7,500 00 
1,775 00 
7,050 00 
3,600 00 
2,700 00 

13,000 00 

15,400 00 
1,260 00 
1,000 00 
8,100 00 
4,500 00 
2,000 00 

10,500 00 
6,000 00 
5,500 00 

38,500 00 
109,375 00 
249,000 00 

67,500 00 

43,250 00 
1,890 00 
1,010 00 
2,000 00 
902 50 
1,000 00 
1,135 00 
1,000 00 
3,000 00 



Loaned Thereon. 

$1,253 34 
1,600 00 



15,000 00 



1,600 00 

13,000 00 

9,602 12 

5,000 00 

4,500 00 

30,000 00 

50,000 00 

200,000 00 

50,000 00 

25,000 00 



)■ 10,000 00 



30 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Chicago, Burlington & Quincy stock, 

Mexican Telegraph Co. stock, . 

Pullman's Palace Car Co. stock, 

Atchison, Topeka & Santa Fe bonds, 

Nat'l Bank of Commerce (New Bedford) stock 

Merchants 1 Nat'l Bank (New Bedford) stock, 

Atlas National Bank stock, 

Manufacturers' National Bank stock, 

National Revere Bank stock, . 

Columbian National Bank stock, 

National Bank of North America stock, 

National Hide and Leather Bank stock, 

First National Bank stock, 

Boylston National Bank stock, 

Continental National Bank stock, 

Market National Bank stock, . 

Globe National Bank stock, 

Boston Wharf Co. stock, . 

Chicago, Burlington & Quincy stock, 

Oregon R.R. and Navigation Co. stock, 

Oregon Improvement Co. bonds, 

Policies of life insurance bonds, 

Amoskeag Manufacturing Co. stock 

Cocheco Manufacturing Co. stock, 

Mexican Telegraph Co. stock, . 

Kansas City Stock Yards Co. stock, 

Central & So. American Telegraph Co. cert 

Illinois Steel Co. bonds, . 

Norwich & Worcester R.R. stock, 

Chicago & Western Indiana bonds, 

Metrop. St. Ry. Co. (Kansas City) stock, 

Grand Avenue Ry. Co. (Kansas City) stock, 

Illinois Steel Company stock, . 

Chic, St. Paul, Minn. & Omaha stock, 

Street Ry. and Illuminating Properties stock, 

Chicago & West Michigan stock, 

General Electric Company stock, 

Central & So. American Telegraph Co. stock 

Portland General Electric Company bonds, 

Galveston, Harrisburg & San Antonio bonds, 

Lake Erie & Western stock, 

Chicago & Eastern Illinois stock, 

Pullman's Palace Car Co. stock, 

Fourth National Bank stock, 

Merchants' Nat'l Bank (Indianapolis) stock, 

Boston & Maine Railroad stock, 

New York, New Haven & Hartford stock, 

Chicago, Burlington & Northern bonds, . 

Atchison, Topeka & Santa Fe bonds, 



J. 15,695 00 



27,000 00 
50,000 00 

45,000 00 



Market Value. Loaned Thereon. 

$85,200 00 ) fc 100 000 00 
21,460 00 S 

7,546 00 ^ 

3,105 00 
416 25 

1,365 00 
585 00 

1,000 00 
760 00 
515 00 
569 37 

1,083 75 

1,920 00 

8,064 00 
664 50 
170 00 J 
32,400 00 
68,750 00 
28,400 00 ] 
18,000 00 ' 

1,980 00 
13,999 00 j 
30,132 501 
10,440 00 
37,740 00 
22,545 00 

9,545 00 
29,750 00 J 
42,000 00 

5,800 00 
30,800 00 > 
10,500 00 
. 4,500 00 \ 

6,600 00 | 
25,000 00 j 

3,262 50 ^ 

4,312 50 

4,600 00 

3,000 00 

2,970 00 

7,100 00 J 

9,700 00 

177,100 00 

55,339 50 

3,750 00 
76,500 00 
78,000 00 
24,375 00 
26,460 00 



J> 100,000 00 



40,000 00 



45,000 00 



[ 18,000 00 



8,389 32 

150,000 00 

45,000 00 

2,000 00 
50,000 00 
60,000 00 
20,000 00 
25,000 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



31 



First National Bank (Dubuque) stock, . 
Chicago, Burlington & Quincy stock, 
Fitchburg Gas Company stock, 
American Bell Telephone bonds, 
Mercantile Loan and Trust Company stock, 
Chicago & Eastern Illinois stock, 
Arlington Mills stock, .... 
N. E. Safe Dep. & Trust Co. of Missouri stock 

Union Pacific notes, 

Baltimore & Ohio Southwestern bonds, . 

Pennichuck Water Works stock, 

New Hampshire Banking Company stock, 

Nashua Trust Company stock, . 

New York, New Haven & Hartford stock, 

United States Cordage Company bonds, . 

Great Falls Manufacturing Company stock, 

Pennichuck Water Works, 

Louisville, Evansville & St. Louis bonds, 

New York & New England bonds, . 

Burl. & Mo. River R.R. Co. in Neb. bonds, 

Norwich & Worcester R.R. stock, . 

Rensselaer & Saratoga R.R. stock, . 

Concord & Montreal stock, 



Market Value 

$1,500 

71,000 

7,500 

2,195 

2,500 

14,550 

34,700 

2,200 

22,250 

2,160 

2,880 

2,300 

1,000 

9,750 

13,900 

6,625 

4,000 

106,000 

57,250 

19,200 

52,500 

45,000 

27,925 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 ^ 

oo I 

00 \ 

oo i 

00 J 
00 



Loaned Thereon. 

$ 1,000 00 

50,000 00 

5,000 00 

15,000 00 

25,000 00 
2,000 00 

19,000 00 



} 



5,000 00 

12,500 00 

2,000 00 
2,500 00 

250,000 00 

20,000 00 



1,158,107 37 $1,626,639 78 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

72 shares Atlantic National Bank, . . $7,101 00 $9,252 00 

100 " Bay State Nat'l B'k, Lawrence, . 7,500 00 12,000 00 

333 " Boston National Bank, . . 33,300 00 33,383 25 

100 " Continental National Bank, . 10,000 00 11,075 00 

50 " First National Bank, Cambridge, 7,500 00 8,750 00 

52 " Massachusetts National Bank, . 5,200 00 4,680 00 

91 " Merchants' National Bank, . . 13,650 00 14,321 12 

107 " National City Bank, Lynn, . . 16,050 00 18,725 00 

150 " National Revere Bank, . . 15,000 00 14,250 00 

140 " National Hide and Leather Bank, 14,000 00 15,225 00 

240 " National Eagle Bank, . . . 24,000 00 19,200 00 

320 " Tremont National Bank, . . 31,951 25 27,200 00 

134 " National Webster Bank, . . 13,400 00 13,065 00 

120 " State National Bank, . . . 10,273 10 13,860 00 

1,400 " Third National Bank, . . . 140,000 00 126,000 00 

500 " Globe National Bank, . . . 50,000 00 45,000 00 

400 " Nicollet Nat'l Bank, Minneapolis, 40,000 00 44,000 00 

250 " Boston National Bank, Seattle, . 25,000 00 22,500 00 

150 " Winthrop National Bank, . . 15,000 00 18,037 50 



32 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



625 shares Boston Safe Deposit & Trust Co 
200 " American Loan & Trust Co., 
400 " N. E, Safe Dep. & T't Co. of Mo 
243 " N. E. Safe Deposit & Trust Co., 
250 " Mercantile Loan & Trust Co., 
70 " State St. Safe Dep. & Trust Co., 
100 " Mattapan Deposit & Trust Co , 
1,063 " Boston & Albany Railroad, . 

300 " Boston & Providence Railroad, 
1,378 " Chic, Burlington & Quiney R.R 
800 " Conn. & Passumpsic Rivers R.R 
900 " Fitch burg Railroad, . 
225 " N. Y., N. H. & Hartford R.R., 
850 " Norwich & Worcester Railroad, 
100 " Northern Railroad, 
300 " Chicago & Alton Railroad, . 
157 " Eastern Railroad, 
200 " Port., Saco & Portsmouth R.R., 
200 " Boston & Lowell Railroad, . 
1,120 " Metrop. St. Ry. Co., Kansas City 
500 " West End Street Railway Co., 
5 " D wight Manufacturing Co., 
5 " Massachusetts Cotton Mills, 
120 " Mass. Title Insurance Co., . 

Land Title Guar. Co., Kan. City, 
Boston N. W. Real Estate Co., 
Boston Ground Rent Trust, . 
Bryant St. & Hunt. Av L'd Trust 
Denver Consolidated Gas Co., 

United States bonds, 

Chicago, Burlington & Quiney bonds, 
Eastern Railroad bonds, .... 
Phila., Wilmington & Baltimore Railroad, 
New Haven & Derby Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Fremont, Elkhorn & Missouri Val. R.R. bonds 
Maine Central Railroad bonds, 
Ottumwa, Cedar Falls & St. Paul R.R. bonds 
Dayton & Michigan Railroad bonds, 
Delaware & Chesapeake Railroad bonds, 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
Chicago, Milwaukee & St. Paul, 
Michigan Central Railroad bonds, . 
Northern Illinois Railroad bonds, . 
Chicago & Northwestern, .... 
Kan. City, Clinton & Springfield R.R. bonds, 
Union Pacific Railroad bonds, . 
Bur. & Missouri River in Nebraska bonds, 
St. Joseph & Grand Island Railroad bonds, 



4901 

1,000 

50 

250 

125 



Cost Value. 

|93,750 00 
20,000 00 
38,149 77 
24,300 00 
25,000 00 
7,000 00 
10,000 00 

159,450 00 
45,000 00 

137,732 77 
80,000 00 
82,225 75 
33,750 00 

127,500 00 
10,000 00 
30,000 00 
11,775 00 
20,000 00 
30,000 00 

109,500 00 

37,500 00 

5,000 00 

5,000 00 

12,000 00 

15,832 40 

77,500 00 

50,000 00 

16,250 00 

7,000 00 

496,187 50 

137,000 00 

275,000 00 

193,871 67 
14,250 00 

187,050 00 
50,000 00 

120,653 75 
50,000 00 
50,000 00 

108,531 25 
50,000 00 
98,942 50 

198,500 00 

100,000 00 
50,000 00 
41,600 00 

100,000 00 

121,066 25 
38,240 00 



Market Value. 

$122,500 00 

29,200 00 

44,000 00 

24,300 00 

25,000 00 

7,350 00 

10,700 00 

221,104 00 

78,000 00 

97,838 00 

106,400 00 

78,750 00 

43,875 00 

148,750 00 

15,450 00 

43,800 00 

12,560 00 

26,600 00 

39,300 00 

86,240 00 

42,750 00 

4,262 50 

4,775 00 

6,000 00 

15,696 00 

77,500 00 

50,250 00 

16,250 00 

7,500 00 

513,500 00 

174,550 00 

335,500 00 

214,440 00 

17,250 00 

182,400 00 

63,500 00 

128,645 00 

52,750 00 

53,750 00 

108,166 67 

56,250 00 

109,500 00 

219,750 00 

105,583 33 

53,133 33 

31,250 00 

100,000 00 

121,920 00 

29,000 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



33 



Corrigan Consolidated Street Railway bonds, 
St. Louis Cable & Western Railroad bonds, 
Spokane & Palouse Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Helena & Red Mountain Railroad bonds, 
Kansas City Cable Railway bonds, . 
Dakota & Great Southern Railroad bonds, 
Des Moines & Fort Dodge Railroad bonds, 
Housatonic Railroad bonds, 
Duluth & Iron Range R.R. bonds, . 
Chic., Rock Island & Pacific Railroad bonds, 
Fitchburg Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Somerset Railroad bonds, 
Grand Rapids, Lansing & Detroit R.R. bonds, 
Grand Avenue Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Louisville, Evansville & St. Louis R.R. bonds 
Evansville, Terre Haute & Chic. R.R. bonds, 
Boston & Providence Railroad bonds, 
Boston & Maine Railroad bonds, 
Denver City Cable bonds, 
Metropolitan Street Railway bonds, 
Pennsylvania Railroad bonds, . 
Kansas Equipment Company bonds, 
Portland Union Railway Station Co. bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Omaha Street Railway bonds, . 
St. Louis & Suburban Railroad bonds, 
New York Cen. & Hudson River R.R. bonds, 
Rio Grande Western Railroad bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Cleve., Cin , Chic & St. Louis Railroad bonds 
Chicago & West Michigan Railroad bonds, 
Brookline & Pepperell Railroad bonds, . 
Pitts., Cin., Chic. & St. Louis Railroad bonds 
Stnrgis, Goshen & St. Louis Railroad bonds, 
Globe Street Railway bonds, . 
Union Pacific Railroad bonds, . 
Concord & Montreal Railroad bonds, 
New York, New Haven & Hart. R.R. bonds, 
Old Colony Railroad bonds, 
Connecticut River Railroad bonds, . 
Worcester Consolidated Street Railway bonds 
Boston & Albany Railroad bonds, . 

Albany city bonds, 

Boston city bonds, 

Boston sterling loan, .... 
New Hamsphire State bonds, . 



Cost Value. 

$100,000 00 
50,000 00 
21,920 00 

100,000 00 
28,160 00 
99,500 00 

100,000 00 
21,700 00 

100,000 00 
47,500 00 

100,000 00 

230,000 00 
50,000 00 
97,500 00 
22,950 00 
95,500 00 
50,000 00 

100,000 00 
10,000 00 

125,000 00 

175,000 00 
86,000 00 

192,000 00 

150,000 00 
25,000 00 
50,000 00 

321,052 00 
98,500 00 
15,352 00 

100,000 00 
23,700 00 
47,750 00 
91,000 00 
40,490 00 
49,000 00 
50,000 00 
36,250 00 

100,000 00 
21,875 00 

299,250 00 
9,000 00 

125,000 00 
60,000 00 

48,500 00 
40,000 00 
23,256 00 
738,736 12 
85,070 00 
22,000 00 



Market Value. 

$100,000 00 
50,000 00 
19,583 33 

104,000 00 
25,000 00 

100,000 00 

107,625 00 
19,625 00 

119,000 00 
44,500 00 

104,625 00 

213,000 00 
57,500 00 

100,000 00 
18,000 00 
95,500 00 
43,000 00 

103,000 00 
10,600 00 

135,000 00 

180,312 50 
75,000 00 

193,000 00 

155,500 00 
22,500 00 
50,000 00 

248,632 50 

100,000 00 
11,700 00 

106,833 33 
21,150 00 
49,583 33 
88,000 00 
34,500 00 
49,000 00 
51,687 50 
37,375 00 

100,000 00 
21,625 00 

303,000 00 
12,600 00 

131,250 00 
60,300 00 

50,000 00 
40,000 00 
24,690 00 
798,435 00 
91,238 40 
25,735 50 



34 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Lawrence, Mass., . 
Lynn city bonds, 
Cincinnati city bonds, 
Worcester city bonds, 
Brookline city bonds, 
Fitchburg city bonds, 
Springfield city bonds, 
Providence city bonds, 
Norwich city bonds, . 
Fall River city bonds, 
Holyoke citj 7 bonds, . 
Newton city bonds, . 
New York city bonds, 
New Bedford city bonds, 
Salem city bonds, 
Taunton city bonds, . 
Lewiston city bonds, 
Pawtucket city bonds, 
Kansas city bonds, . 
Lawrence, Kan., bonds, 
Lincoln bonds, . 
Indianapolis bonds, . 
St. Paul city bonds, . 
Minneapolis city bonds, 
Sheboygan city bonds, 
Helena city bonds, . 
Columbus city bonds, 
Lowell city bonds, . 
Waltham city bonds, 

Manchester, Mass., bonds, 

Milwaukee city bonds, 

Seattle city bonds, . 

Omaha city bonds, . 

Marietta city bonds, . 

Wobnrn bonds, . 

Cleveland city bonds, 

Eden, Me., bonds, 

Brockton bonds, 

Chicago city bonds, . 

Bridgeport bonds, 

St. Albans bonds, 

Chelsea city bonds, . 

Meredith Village Fire District bonds, 

County of Cuyahoga bonds, 

Johnston bonds, 

St. Paul Chamber of Commerce bonds, . 

Minneapolis Gas Light Company bonds, . 

Brookline Gas Light Company bonds, 

Denver Consolidated Gas Company bonds, 



Cost Value. 

$80,210 83 
225,000 00 
85,000 00 
85,000 00 
346,314 00 
78,485 17 
126,000 00 
146,403 06 
94,000 00 
203,000 00 
5,000 00 
60,000 00 
100,000 00 
10,000 00 
10,000 00 
39,000 00 
100,000 00 
150,000 00 
163,808 25 
50,000 00 
49,583 33 
100,000 00 
180,000 00 
185,000 00 
100,000 00 
50,000 00 
28,000 00 
50,000 00 
110,000 00 
132,000 00 
55,000 00 
25,000 00 
.135,000 00 
49,000 00 
6,000 00 
50,000 00 
84,000 00 
23,980 00 
99,750 00 
50,000 00 
21,980 00 
35,000 00 
35,000 00 
50,000 00 
55,000 00 
48,750 00 
50,000 00 
50,000 00 
43,000 00 



Market Value. 

$88,847 00 
237,325 00 
102,170 00 
96,475 00 
357,782 95 
96,688 00 
155,610 00 
167,676 00 
114,170 00 
209,799 00 
5,500 00 
72,480 00 
103,450 00 
10,950 00 
11,110 00 
40,326 00 
114,370 00 
155,850 00 
168,684 00 
53,450 00 
53,450 00 
100,000 00 
188,705 00 
185,000 00 
105,400 00 
53,530 00 
29,652 00 
53,200 00 
111,869 70 
136,620 00 
56,812 00 
27,175 00 
140,642 50 
52,062 50 
6,072 00 
50,750 00 
86,856 00 
24,120 00 
100,000 00 
51,090 00 
22,000 00 
35,000 00 
36,165 62 
53,500 00 
56,125 00 
50,000 00 
52,750 00 
51,500 00 
50,000 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



35 



Troy Gas Company bonds, 

Worcester Electric Light Company bonds, 

Chelsea Gas Light Company bonds, . 

Algonquin Club bonds, .... 

Norwich & Worcester Railroad notes, 

Bryant St. & Huntington Ave. land trust notes 

Jamaica Plain Gas Light Company notes, 

Columbus notes, 

Milwaukee notes, 

Newton notes, . 

Wellesley notes, 

Randolph notes, 

Cleveland notes, 

Berlin notes, 

Hull notes, 

Salem notes, 



Cost Value. 

$25,000 00 
50,000 00 

100,000 00 
24,000 00 

215,500 00 

5,000 00 

20,000 00 

60,000 00 

125,000 00 
60,000 00 
10,000 00 
15,000 00 
27,560 00 
30,000 00 
10,000 00 
50,000 00 



Market Value. 

$25,000 00 
50,000 00 

100,000 00 
24,000 00 

215,500 00 

5,000 00 

20,000 00 

60,000 00 

125,000 00 
60,000 00 
10,000 00 
15,000 00 
27,560 00 
30,000 00 
10,000 00 
50,000 00 



$13,892,869 72 $14,571,089 36 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March, 1844. Commenced business June, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 

Income. 



Cash received for premiums on new policies, .... 

Cash received for renewal premiums, 

Dividends applied to pay running premiums, .... 
Dividends applied to purchase paid-up additions and annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 

for rent of company's property, 
for reinsurance, . 



Total income, 
Net or ledger assets Dec. 31, 1893, 



Total, 



|280,779 75 

1,290,702 18 

219,522 17 

63,792 22 

$1,854,796 32 
4,912 30 

f 1,849,884 02 

409,236 65 

41,759 62 

2,051 32 



$2,302,931 61 
8,508,462 37 



Disbursements. 
Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash dividends paid policy-holders, . 

Cash dividends applied to pay running premiums, . 



$10,811,393 98 

|476,214 91 
66,707 00 

$542,921 91 

7,056 02 

219,522 17 



36 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Cash dividends applied to purchase paid-up additions and 

annuities, . . . 

Surrender values paid in cash, ...... 

Total paid policy-holders, . 
Cash paid for commissions to agents, new policies, $131,652.68 
renewals, $110,101.42, ..... 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on premiums, . 



15 ; on investments 



for taxes on reserves, $14,048 

$8,373.26, 
for fees, licenses, etc., 
for rent, . 

for commuting commissions, 
for advertising, 
for real estate expenses, . 
for legal expenses, . 
for incidentals, 
Profit and loss account, 

Total disbursements, . 



Balance, ..... 
Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . . .... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ....... 

Cash deposited in bank, ....... 

Ledger assets (as per balance), . 

Other Assets. 
Interest due and accrued, 

Rents due and accrued, . 

Market value of stocks and bonds, over cost, . 

Uncollected premiums On policies New Business. 

in force, $32,392 24 

Deferred premiums on policies in 



1,792 22 
296,923 19 

L,130,215 51 

241,754 10 

16,969 66 

23,526 50 

38,645 33 

8,900 45 

22,421 41 
5,063 36 

18,439 38 
6,326 47 
3,056 90 
6,687 45 
1,635 77 

43,711 64 

13,426 01 

^,580,779 94 
>,230,614 04 



$704,800 00 

1,995,637 07 

282,617 00 

292,596 00 

5,626,611 00 

3,137 04 

325,215 93 



1,230,614 04 

$92,188 00 

4,112 00 

277,627 00 



Renewals. 

$101,463 50 



force, 

Total, . 

Deduct loading (20 per cent.), 

Net amount of uncollected and de- 
ferred premiums, . , . 



43,622 00 183,186 20 



$76,014 24 
15,202 85 



$284,649 70 
56,929 94 



,811 39 $227,719 76 



Total assets, per company's books, . 



288,531 15 
1,893,072 19 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



37 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, , 
Death losses and matured endowments in 

ess of adjustment, . 
Claims resisted by company, . 

Total policy claims, . 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, 

Gross liabilities, 



proc 



$59,500 00 
22,000 00 



S,679,428 00 
18,175 00 

1,661,253 00 



81,500 00 

58,742,753 00 

1,150,319 19 

9,893,072 19 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,279 $8,686,174 00 

Endowment, . . . 13,552 39,028,873 00 
Reversionary additions, . - 477,112 00 

__ _ . 16,831 $48,192,159 00 

Policies issued during the Year. 



Whole life, 


■ 


48 


$161,000 00 




Endowment, 




. 3,422 


9,410,500 00 

3 ^70 


9,571,500 00 






■ " " »-'»" • v 


Endowment policies revived, . , 


4 


9,000 00 






Old Policies increased. 




Whole life, 




• ~~ 


$1,644 00 




Endowment, 


• 


_— __ 


43,648 00 


45,292 00 


Additions by divid 


ends, 


» • a 


. 


120,515 00 


Total, . 


. 20,305 


$57,938,466 00 




Policies terminated during the Year. 




Whole life, 


. 


163 


$467,680 00 




Endowment, 


. 


1,576 


4,522,914 00 




All other, . 


' 


- 


37,940 00 






1,739 


$5,028,534 00 








How terminated. 




By death, . 




161 


$516,489 00 




maturity, 




38 


66,707 00 




expiry, 




11 


23,000 00 




surrender, . 




765 


2,138,896 00 




lapse, . 




415 


931,500 00 




change and decrease, 


40 


603,442 00 




Not taken, . 


• 


309 


748,500 00 
1,739 


5,028,534 00 



38 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Policies in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,164 $8,381,138 00 

Endowment, . . . 15,402 43,969,107 00 
Reversionary additions, . - 559,687 00 

_ __ _ 18,566 $52,909,932 00 



Schedule A. 



Securities held as Collateral. 

Market Value. 

$2,484 00 

Fitch burg Railroad, . . . 2,610 00 

New York Central Railroad, . 1,960 00 

Boston & Albany Railroad, . . 1,242 00 

Boston & Montana Mining Co., . 9,000 00 

Tamarack Mining Company, . 4,650 00 

Richmond & Danville Railroad bond, . , 1,100 00 

100 shares European & Northern Railroad, . 11,500 00 

200 " Whitman & Barnes Mfg. Co., 



12 shares Boston & Albany Railroad, 
30 
20 
6 
300 
31 



298 " Gazette Company, 
100 " Mexican Central Railroad Co., 
20 " Worcester Traction, 
100 " Hamilton Woolen Company, 
417 " Worcester Traction Company, 
Worcester & Shrewsbury Railroad Co. bonds 



315 

50 

1,500 

47 

20 



10 



Worcester Traction Company, 
Fitchburg Railroad Company, 
Walker Oakley Company, . 
Washburn & Moen Mfg. Co., 

Pullman Palace Car Company, 



Providence & Worcester Railroad, 



50 " Bank of Illinois, Chicago, . 

25 " New London & Northern R.R., 
100 " Norwich & Worcester R.R. Co., 
Midland Railroad Company bonds, . 
400 shares Worcester Traction Company, 
Five Cents Savings Bank book, 
1 share Fitchburg Railroad, 
Congress Hotel Company bonds, 
200 shares Washburn & Moen Mfg. Co., 
35 shares First National Bank, Worcester, 
Consolidated Railroad Company, Vt., bonds, 
Brunswick & Chillicothe Railroad, . 
30 shares Worcester Corset Company, 



26,000 00 

11,920 00 
500 00 

1,640 00 

8,000 00 
21,664 00 
13,000 00 
16,380 00 

4,350 00 
150,000 00 

5,875 00 

3,100 00 



2,500 00 

10,750 00 

4,875 00 

17,500 00 

5,250 00 

18,800 00 

700 00 

87 00 

67,500 00 

25,000 00 

5,950 00 

1,290 00- 

630 00 

2,250 00. 



Loaned Thereon. 

$800 00 

1,400 00 
1,000 00 

10,000 00 

900 00 

6,500 00 

< 10,000 00 

( 10,000 00 

1,000 00 

1,700 00 

5,000 00 

16,437 00 

7,000 00 

15,000 00 

45,000 -00 

2,600 00 

< 1,000 00 

} 800 00 
(200 00 

) 300 00 

C600 00 

6,000 00 

2,900 00 

16,500 00 

10,000 00 
600 00 

60,000 00 

20,000 00 

4,000 00 

2,500 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



39 



30 shares Spy Publishing Company, , 
Congress Hotel Company, . . , 

31 shares Nat. Bank, Bellows Falls, Vt., . 



Market Value. Loaned Thereon. 

|4,500 00 $4,000 00 

21,000 00 17,680 00 

3,410 00 1,200 00 



$488,967 00 $282,617 00 



Schedule B. 

Stocks and Bonds owned by the 



400 " Morris & Essex Railroad, 

300 " Chic., Rock Island & Pacific R.R., 

110 " Chicago, Burl. & Quincy Railroad 

270 " Illinois Central Railroad, 

338 " Chicago & Alton Railroad, . 

500 " Norwich & Worcester Railroad, 

552 " N. Y., N. H. & Hartford Railroad, 

400 " New London & Northern Railroad 

500 " Providence & Worcester Railroad, 

625 " Boston & Albany Railroad, . 

100 " Fitchburg Railroad, 

286 " Boston & Maine Railroad, 

45 " State Safe Deposit Company, . 

300 " West End Street Railroad Co., 

200 " Central National Bank, Worcester 

50 " First National Bank, Boston, . 

40 " City National Bank of Worcester, 

100 " Third National Bank, Springfield, 

112 " Hide & Leather Nat'l Bank, Boston 

67 " Shawmut National Bank, Boston, 

150 " Atlantic National Bank, Boston, 

90 " Eliot National Bank, Boston, . 

100 " Quinsigam'd Nat'l B'k, Worcester 

100 " Howard National Bank, Boston, 

25 " Leicester National Bank, 

100 " Continental National Bank, Boston 

75 " Republic National Bank, 

33 " Webster National Bank, . 

115 " Redemption National Bank, . 

100 " Tremont National Bank, 

137 " Worcester National Bank, 

50 " Mill bury National Bank, 

25 " Wachusett Nat'l Bank, Fitchburg 

67 " Revere National Bank, Boston, 

90 " Adams National Bank, No. Adams 
United States bonds, . 
Fitchburg Railroad bonds, 
Boston, Clinton, Fitch. & New Bedford R.R., 



Company. 

Cost Value, 

$14,012 00 

25,450 00 

35,085 00 

13,256 00 

34,183 00 

45,754 00 

86,287 00 

87,720 00 

62,477 00 

76,893 00 

97,851 00 

8,752 00 

45,572 00 

4,500 00 

26,100 00 

28,109 00 

5,000 00 

4,000 00 

10,000 00 

11,575 00 

6,725 00 

18,388 00 

10,575 00 

10,090 00 

9,931 CO 

2,650 00 

10,012 00 

7,562 00 

3,575 00 

15,985 00 

13,300 00 

19,699 00 

5,000 00 

2,500 00 

6,756 00 

13,122 00 

166,000 00 

76,125 00 

33,000 00 



Market Value. 

$14,000 00 
32,000 00 
18,600 00 

7,700 00 

23,490 00 

49,010 00 

87,500 00 

103,208 00 

76,000 00 

125,000 00 

128,750 00 

8,700 00 
44,616 00 

4,500 00 
25,500 00 
29,400 00 
12,000 00 

5,800 00 
20,000 00 
11,872 00 

7,705 00 
18,750 00 
11,880 00 
13,000 00 

9,600 00 

3,750 00 
11,000 00 
11,250 00 

3,168 00 
14,145 00 

8,500 00 
20,276 00 

4,900 00 

5,000 00 

6,365 00 

11,700 00 

165,000 00 

73,500 00 

33,300 00 



40 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



New York, Lackawanna & Western Railroad, 

Chicago & Northwestern Railroad, . 

Michigan Central Railroad, 

New York Central & Hudson River R.R., 

New York & New England Railroad, 

Chicago, Burlington & Quincy Railroad,. 

Chicago, Milwaukee & St. Paul Railroad, 

Evansville, Terre Haute & Chicago Railroad 

Pittsburgh, Cleveland & Toledo Railroad, 

Chicago & Eastern 111. Railroad, 

Boston, Barre & Gardner Railroad, . 

Burlington & Missouri River Railroad, . 

Central Pacific Railroad bonds, 

Cleveland, Col , Cin & Indianapolis Railroad, 

Baltimore & Ohio Railroad bonds, . 

St. Paul, Minn. & Manitoba Railroad, 

Lake Erie & Western Railroad bonds, 

Housatonic Railroad bonds, 

Long Island City & Flushing Railroad, . 

Atlantic Avenue Railroad bonds, 

Chicago, Rock Island & Pacific Railroad, 

Terre Haute & Indianapolis Railroad, 

Chicago & Western Indiana Railroad, 

Kings County Elevated Railroad, 

Milwaukee City Railroad, 

Grand Avenue Railroad, .... 

Chicago, St. Paul, Minn. & Omaha Railroad, 

Fulton Elevated Railroad, 

Street Railway, Grand Rapids, bonds, 

Maine Central Railroad, .... 

Broadway Surface Railroad, 

Omaha Street Railroad bonds, . 

Wabash Railroad bonds, .... 

West Side, Milwaukee, Railroad bonds, . 

Baltimore Belt Railroad bonds, 

Akron & Chicago Junction Railroad bonds, 

Saginaw Union Street Railway bonds, 

Consolidated Street Railway, Columbus, O., 

Rutland Railroad Company, 

Metropolitan St. R'y. Co. (Kan. City) bonds, 

Columbus Con. & Term. Railroad, . 

Chic. & Ind. Coal Railway Company bonds, 

Great Northern Railway bonds, 

Cin., Hamilton & Dayton Railroad, . 

St Louis, Iron Mt. & Southern Railroad, 

Toledo and Ohio Central Car Trust, 

Ulster & Delaware Railroad, . 

Baltimore and Ohio Equipment Association, 

Ohio River Railroad, .... 



Cost Value. 

|73,270 00 
99,427 00 

145,300 00 
32,325 00 
10,662 00 
28,400 00 
29,750 00 
10,250 00 
21,200 00 
49,710 00 
21,590 00 
18,600 00 
30,000 00 
19,800 00 

150,000 00 
57,625 00 
96,500 00 
77,750 00 
50,000 00 
15,675 00 
40,000 00 
25,000 00 
44,900 00 
25,000 00 
25,000 00 
24,125 00 
57,500 00 
25,000 00 
16,050 00 
26,855 00 
60,700 00 
39,300 00 
50,000 00 
'50,000 00 
25,000 00 
50,000 00 
10,000 00 
50,000 00 
20,950 00 
29,250 00 
47,500 00 
25,000 00 
45,875 00 
50,000 00 
25,000 00 
30,000 00 
15,600 00 
25,000 00 
24,375 00 



Market Valne. 

$80,750 00 
106,400 00 
155,900 00 
32,100 00 
11,000 00 
29,400 00 
30,750 00 
10,700 00 
22,400 00 
61,000 00 
22,500 00 
18,800 00 
31,200 00 
22,500 00 
157,000 00 
61,000 00 
107,500 00 
87,000 00 
55,000 00 
15,750 00 
40,800 00 
27,500 00 
46,400 00 
17,500 00 
26,250 00 
25,000 00 
63,000 00 
17,500 00 
16,500 00 
27,500 00 
64,600 00 
40,000 00 
51,500 00 
50,000 00 
27,000 00 
53,000 00 
10,500 00 
50,000 00 
21,000 00 
30,000 00 
50,000 00 
25,000 00 
47,000 00 
52,500 00 
25,000 00 
30,000 00 
15,300 00 
25,000 00 
26,250 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



41 



Chicago & West Michigan Railroad, 

Globe Street Railway Company bonds, . . 

Ell wood Short Line Railroad bonds, . , 

Lehigh Valley Terminal Railway bonds, 

West End Street Railway Co. (Boston) bonds, 

Minn., Lynd'le and Min't'nka Railway Co., 

Rio Grande and Western Railroad bonds, 

Boston and Maine Railroad bonds, . . . 

Me. Cent. R.R. Co. and Europ. & North. R.R., 

Clev., Cin., Chi. & St. Louis Railroad, . . 

Old Colony Steamboat Company bonds, . . 

Atlantic Avenue Railroad Company, . . 

Portland and Ogdensburg Railway, . . 

Worcester Cons. Street Railway Company, . 

Clev., Lorain & Wheeling Railroad Co., . 

Wilkesbarre & Eastern Railroad Company, 

St. Johnsbury & Lake Champlain Railroad, , 

Brooklyn City Railroad Company, . 

Essex Street Railway Company, 

Pacific Railroad of Missouri bonds, . 

Cleveland Electric Railway Company bonds, . 

Worcester, Nashua and Rochester Railroad, . 

Portland city bonds, 

Bangor city bonds, . 

Lawrence city bonds, 

Newton city bonds, . 

Lowell city bonds, 

Providence city bonds, 

Boston city bonds, 

Clinton town bonds, . 

Beverly city bonds, . 

St. Paul city bonds, . 

Cincinnati city bonds, 

Minneapolis city bonds, . 

St. Louis city bonds, . 

Toledo city bonds, 

Quincy (Mass.) bonds, 

Omaha (sewer), 

Omaha (park), . 

Nashville city bonds, 

Birmingham (Ala.) city bonds, 

Fostoria (O.) city bonds, . 

Abstract Safety Vault Co. (Chicago), 

Montclair (N. J.) school bonds, 

Montclair (N. J.) sewer bonds, 

Columbus city bonds, 

Duluth city bonds, . 

Worcester Gas Light Company bonds, 



Cost Value. 

$24,624 00 
24,750 00 
22,500 00 
52,500 00 
15,000 00 
24,625 00 
19,500 00 
51,000 00 
90,000 00 

112,500 00 
26,000 00 
44,000 00 
50,000 00 

107,870 00 
47,500 00 
48,750 00 
55,000 00 

109,500 00 
60,000 00 
30,000 00 
24,750 00 

1^4,750 00 
19,000 00 
26,375 00 
53,000 00 
26,750 00 
52,000 00 
25,875 00 
50,125 00 
41,400 00 
51,375 00 
50,500 00 
9,640 00 
41,922 00 
21,450 00 
42,825 00 
20,000 00 
30,375 00 
26,250 00 
10,000 00 
26,750 00 
20,000 00 
52,000 00 
5,500 00 
52,125 00 
52,500 00 
22,875 00 

100,000 00 



Market Value. 

$18,218 00 
26,000 00 
26,250 00 
55,000 00 
15,600 00 
25,000 00 
17,500 00 
55,000 00 

100,000 00 

112,500 00 
26,250 00 
47,000 00 
53,500 00 

113,000 00 
48,000 00 
49,000 00 
56,000 00 

113,000 00 
63,000 00 
30,600 00 
25,000 00 

105,000 00 
23,600 00 
27,000 00 
58,500 00 
29,000 00 
52,000 00 
26,000 00 
50,500 00 
40,800 00 
52,000 00 
51,000 00 
9,200 00 
43,050 00 
20,400 00 
45,300 00 
20,520 00 
31,500 00 
26,500 00 
10,000 00 
26,500 00 
20,400 00 
54,570 00 
5,500 00 
52,500 00 
53,000 00 
24,500 00 

106,000 00 



42 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



County of Hennepin and Minneapolis bonds, 
Worcester Electric Light Company bonds, 
Kansas City (school district) bonds, 
Congress Hall Company (Chicago) bonds, 
County of Franklin (O.) bonds, 
Borough of Rutherford (N. J.) bonds, 
Gardner Water Company loan, 
Worcester Gas Light Company loan, 
Parish St. Marks' Church loan, 
Washburn & Moen Manufacturing Co. loan, 
Guildford (Vt.) town loan, 



Cost Value. 

551,500 00 
50,000 00 
23,800 00 
80,000 00 
10,000 00 
48,000 00 
60,000 00 
10,000 00 

1,695 00 
40,000 00 

1,500 00 



Market Value. 

$52,000 00 
53,000 00 
24,500 00 
80,000 00 
10,600 00 
50,000 00 
60,000 00 
10,000 00 
1,695 00 
40,000 00 
1,500 00 



$5,626,611 00 f5,904,238 00 



LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements op Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1894. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES, 



"^TNA LIFE INSURANCE COMPANY," HARTFORD, conn. 

[Incorporated 1820. Commenced business 1850.] 

Paid-up Capital, $1,500,000. 

Morgan G. Bdlkeley, President. J. L. English, Secretary. 

Income. 
Cash received for premiums on new policies, . 



Cash received for renewal premiums, 
Premium notes received for renewals, 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, , 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, .... 

Total income, ....... 

Net or ledger assets Dec. 31, 1893, . . 



Total, . 



$504,063 56 

4,030,164 58 

38,498 15 

15,456 25 

247,130 90 

4,835,313 44 
1,969 35 



54,833,344 09 

1,999,389 06 

3,582 35 

32,315 09 

568 34 



$6,869,198 93 
38,688,230 60 

$45,557,429 53 



Disbursements. 
Cash paid for losses and additions, ..,,.. 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Premium notes or loans used in purchase of surrendered 

policies, $ 11,506.47 ; voided by lapse, f 1,471.17, . 
Premium notes or loans used in payment of dividends to 
policy-holders, ......... 

Cash dividends paid policy-holders, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, . 



$1,924,532 63 

31,073 99 

847,486 31 

4,826 69 

$2,807,919 62 
12,977 64 

42,597 87 
764,261 16 
213,294 09 

15,456 25 

247,130 90 
. $4,103,637 53 



46 



iETNA LIFE INSURANCE COMPANY. 



Cash paid for dividends to stockholders, . 

for commissions to agents, new policies, $254,388.40 ; 

renewals, $265,089.66, 

for salaries and allowances to managers and agents, 
for medical examinees fees and inspections, . 
for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on reserves, $4,787.21 ; on investments, 

$78,416.14, ..... 

for fees, licenses, etc., 

for rent, ...... 

for furniture and office fixtures, 
for advertising and printing, . 
for legal expenses, .... 

for incidentals, 

transferred to accident department, 

Total disbursements, ...... 

Balance, ........ 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, . . ... 

Loans bn mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, ...... 

Bills receivable, 

Agents 1 ledger balances, 

Ledger assets (as per balance), . . . 

Other Assets. 
Interest due and accrued, 

Market value of stocks and bonds, over cost, .... 

New Business. Renewals. 

Uncollected premiums on policies 

in force, $44,412 75 $102,018 13 

Deferred premiums on policies in 

force, . . . . . . 33,741 63 218,718 89 



$150,000 00 

519,478 06 
32,225 05 
36,328 46 
99,753 53 
34,353 31 

83,203 35 
11,912 63 
24,384 64 

1,646 10 
11,245 86 

9,313 24 
62,337 55 
50,000 00 

5,229,819 31 

,327,610 22 



$517,662 32 

21,960,640 25 

534,124 31 

636,658 62 

769,932 42 

11,726,720 16 

35,019 58 

4,125,485 87 

5,537 40 

15,829 29 

$40,327,610 22 

. $598,864 43 
653,992 62 



Total, ...... 

Deduct loading, 20 per cent. 

Net amount of uncollected and de- 



,154 38 |320,737 02 
15,630 88 64,147 40 



ferred premiums, . 



. $62,523 50 $256,589 62 



Total assets, per company's books, 



319,113 12 
$41,899,580 39 



.ETNA LIFE INSURANCE COMPANY. 47 

Items not Admitted. 

Agents' balances, . . . . . . $15,829 29 

Bills receivable, = 5,537 40 

Total,. ....... — — $21,36669 



Total admitted assets, ...... $41,878,213 70 

Deduct special deposits in other States, ..... 349,004 00 



Balance, $41,529,209 70 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . $34,440,497 00 
Deduct net value of reinsured risks, . 48,719 00 



Net reinsurance reserve, ...... $34,391,778 00 

Matured endowments due and unpaid, . . $58,283 00 
Death losses and matured endowments in 

process of adjustment, ..... 160,135 00 

Claims resisted by the company, . . . 56,000 00 

Present value of unpaid instalments, . , 6,822 00 

Total policy claims 281,240 00 

Unpaid dividends of surplus due policy-holders, . . , 460,450 70 
Unpaid dividends of surplus due contingent surrender values, 16,978 35 
Premiums paid in advance, ....... 4,448 53 

Bills payable, , 5,175 63 

Liabilities as to policy-holders, .... $35,160,071 21 

Deduct liabilities on special deposits, ..... 349,004 00 



t,811,067 21 

L, 500,000 00 
Surplus over capital,* . . . . . , . . 5,218,142 49 



Surplus as regards policy-holders, . „ , $6,718,142 49 

Paid-up capital, 1,500,00000 



Gross liabilities, . ....... $41,529,209 70 

Premium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $825,964 38 

Premium notes received during 1894, . . 38,498 15 

Total, ........ — $864,462 53 

Used in payment of losses and claims, . . $35,900 68 

Used in payment of surrendered policies, . 11,506 47 

Voided by lapse, ...... 1,471 17 

Used in payment of dividends to policy-holders, 42,597 87 

Redeemed by maker in cash, .... 3,053 92 

Total, 94,530 11 



Balance note assets Dec. 31, 1894, ...... $769,932 42 



48 



Whole life, 
Endowment, 
All other, . 



^TNA LIFE INSURANCE COMPANY. 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

. 35,149 |48,797,316 00 
. 36,198 60,163,420 00 
. 11,398 26,489,987 00 

82,745 $135,450,723 00 









Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 1,233 $2,025,916 00 
. 6,148 11,188,806 00 
. 1,812 3,976,879 00 



9,193 17,191,601 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived and increased. 



8 


$50,917 00 


42 


154,292 00 


254 


559,650 00 



304 



764,859 00 



Total, . 



92,242 $153,407,183 00 



Policies terminated during the Tear. 

Whole life, . . . 1,665 $2,922,035 00 
Endowment, . . . 4,612 8,509,548 00 

All other, .... 2,595 6,067,804 00 







8,872 


$17,499,387 00 








How terminated. 




By death, . 


„ 


. 1,210 


$1,985,060 00 


'<■ 


maturity, 


. 


752 


865,744 00 




expiry, 


. 


638 


1,416,079 00 




surrender, . 


. 


. 1,407 


2,459,481 00 




lapse, . 


. 


. 3,015 


6,876,609 00 




change and deer 


ease, 


233 


595,055 00 




Not taken, . 


• 


. 1,617 


3,301,359 00 


8,872 17,499,387 00 








Poll 


zies in Force Dec. 31, 1894. 


Whole life, 


, 


. 34,725 


$47,952,114 00 




Endowment, 


. 


. 37,776 


62,996,970 00 




All other, . 


• 


. 10,869 


24,958,712 00 


83,370 135,907,796 00 



^ETNA LIFE INSURANCE COMPANY. 



49 



Schedule A. 

Securities held as Collateral. 



50 shares Hartford Carpet Company, . 
25 " United States Bank, 

124 " iEtna Fire Insurance Company, 
807 " Willimantic Linen Company, 
Hartford City Salt Company bonds, 

400 shares Willimantic Linen Company, 
50 " Hartford Carpet Company, 
169 " iEtna Fire Insurance Company, 
150 " United States Bank, . 
654 " Kellogg & Balkeley Company, 
217 " iEtna Fire Insurance Company, 
30 " Hartford Carpet Company, 
50 " United States Bank, . 
63 " iEtna Fire Insurance Company, 
1,300 " Wheeler & Wilson Mfg Co., 
281 " Willimantic Linen Company, 
Assignment of mortgage, 
233 shares Willimantic Linen Company, 
100 " Plimpton Manufacturing Co., 
25 " iEtna Fire Insurance Company, 

125 " Hartford Fire Insurance Co., 
52 " iEtna Fire Insurance Company, 
16 " iEtna Fire Insurance Company, 
10 " Phoenix Fire Insurance Company, 
40 " Travelers Insurance Company, 

300 " Willimantic Linen Company, 
25 " United States Bank, 
50 " Orient Fire Insurance Company, 
63 " iEtna Fire Insurance Company, 

2 " Connecticut River Railroad, . 
10 " Russell & Erwin Mfg. Co , . 

2 " Collins Company, . 
20 " iEtna Fire Insurance Company, 
The Culbertson Irrigating Water Power bonds 
100 shares iEtna Fire Insurance Company, 
1,800 " Willimantic Linen Company, 
12 " Hartford Electric Light Co., 
50 " Hart. Steam Boiler & Inspec. Co. 
2,058 " Willimantic Linen Company, 

100 " Bost. Woven Hose and Rub. Co. 
Assignment of mortgage, 
100 shares Chic, Rock Island & Pacific R.R., 
100 " Chic, Burlington & Quincy R.R., 
30 " United States Bank, 
Assignment of mortgages, . . , 



Market Value. Loaned Thereon. 

$3,000 001 
8,750 00 j 



31,620 00 > 
22,192 50 ! 
5,250 00 J 
11,000 001 
3,000 00 j 
43,095 00 \ 
52,500 00 1 
16,350 00 J 
55,335 00 
1,800 00 
17,500 00 
16,065 00 
32,500 00^ 
7,727 50 S 
3,000 00 ) 
6,407 50 
14,000 00 
6,375 00 
45,000 00 ) 
13,260 00 S 
4,080 00 n 
1,900 00 S 
7,680 00 ) 
8,250 00 1 
8,750 00 ( 
3,250 00 [ 
16,065 00 J 
500 00 > 
750 00 
200 00 > 
5,100 00 
50,000 00 
25,500 00 
49,500 00 > 
1,200 00 j 
5,000 00, 
56,595 00 
10,000 00 
9,000 00 
■6,500 00 
7,400 00 
10,500 00 
48,300 00 



160,700 00 



105,363 31 



41,400 00 

10,000 00 
10,000 00 

33,556 31 

5,000 00 
5,000 00 
5,000 00 

24,500 00 



10,800 00 



24,000 00 



1,100 00 

4,200 00 

40,000 00 

6,500 00 

43,743 56 

40,000 00 
8,500 00 

11,561 13 

6,000 00 
25,000 00 



^TNA LIFE INSURANCE COMPANY. 



Market Value. Loaned Thereon. 



Macoupin County bonds, 

12 shares N. Y., N. H. & H. R.R. Co., . 

Hartford Deposit Company (gold) bonds, 

Assignment of mortgages, 

Assignment of mortgages and policies, . 



$4,000 00 
2,352 00 
2,000 00 
4,100 00 
4,000 00 



>3,000 00 
1,700 00 
1,500 00 
3,000 00 
3,000 00 



1768,199 50 |534,124 31 



Schedule B. 

Stocks and Bonds owned by the 

235 shares Connecticut River Banking Co., . 
75 

918 

400 

448 

750 

773 
1,552 
1,632 

377 
66 

250 

836 

753 

240 
92 

200 



150 



84 
2,273 



Metropolitan Bank (New York), 
Phoenix National Bank (Hart.), . 
Merc'tile National Bank (Hart.), . 
City National Bank (Hartford;, , 
Hartford National Bank (Hart.), . 
First National Bank (Hartford) 
Nat 1 l Exchange Bank (Elartford) 
American Nat 1 ! Bank (Hartford) 
Farm. & Mech. Nat'l B'k (Hart.) 
Suffield National Bank (Suffielcl) 
Nevv Britain N. B. (New Britain) 
Charter Oak Natl Bank (Hart.) 
JEtna National Bank (Hartford) 
Hartford Trust Co. (Hartford), 
United States Bank (Hartford), 
Rockville Nat'l Bank (Rockville) 
Security Company (Hartford), 
Home National Bank (Meriden), 
United States bonds, ...... 

368 shares Connecticut River Railroad, 
iEtna Fire Insurance, . 
N. Y., N. H. & Hartford R.R., . 
Columbus & Indianapolis R.R. bonds, 
Union Pacific Railroad bonds, .'.... 

Keokuk & Des Moines Railroad bonds, . 
121 shares Keokuk & Des Moines R.R. stock, . 
Atlantic Dock bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, . 
Vermont Valley Railroad bonds, . 
410 shares Chicago, Burl. & Quincy Railroad, 
220 " N. Y. Cen. & Hudson River R.R., . 
200 " Union Pacific Railroad, . 
Terre Haute & Logansport Railroad bonds, 
Hartford & New York Transportation Co., 
250 shares Connecticut & Passumpsic Railroad, 
Chicago, Burlington & Quincy R.R bonds, 



Company. 

Cost Value. 

$20,365 00 

5,362 50 

124,285 50 

42,885 25 

60,900 75 

107,720 25 

95,460 66 

93,729 80 

95,022 87 

83,664 25 

8,375 00 

28,450 00 

97,572 25 

87,389 46 

25,065 00 

19,962 50 

20,000 00 

10,000 00 

18,375 00 

435,875 00 

39,372 25 

' 19,236 68 

366,094 00 

45,0U0 00 
30,690 00 

22,033 20 

25,000 00 
25,000 00 

150,750 00 
33,862 50 
27,000 00 
18,625 00 

100,000 00 

12,000 00 

25,250 00 

1,100 00 



Market Value. 

$10,575 00 
375 00 

116,586 00 
36,000 00 
44,800 00 

116,250 00 
85,030 00 

100,880 00 

110,160 00 

44,109 00 

9,900 00 

40,000 00 

79,420 00 

105,420 00 
33,600 00 
32,200 00 
22,000 00 
15,000 00 
19,500 00 

467,400 00 
92,000 00 
21,420 00 

445,508 00 
51,000 00 
31,500 00 

17,220 00 

26,500 00 
28,750 00 

159,000 00 

30,340 00 

22,000 00 

2,000 00 

110,000 00 

12,000 00 

25,500 00 

1,100 00 



.ETNA LIFE INSURANCE COMPANY. 



51 



100 shares Chic, Milwaukee & St. Paul R.R., 

100 " Chicago & Rock Island Railroad, . 

100 " Chicago & Northwestern Railroad, 

116 " Delaware & Hudson Canal Co., 

N. Y , N. H. & H. R.R debentures, 

Middlesex Banking Company debentures, 

Terre Elaute & Peoria bonds, 

"New York & New England Railroad, 

Connecticut River Railroad bonds, 

City of Brantford, 

Province of Manitoba bonds, 

Virginia state bonds, 

Tennessee state bonds, 

Mobile city bonds, 

Hartford city bonds, . 

Louisville city bonds, 

Kansas city bonds, 

New Britain city bonds, . 

Plattsmouth (Neb.) city bonds, 

London (Ont.) city bonds, 

New Boston city bonds, . 

Jersey City city bonds, 

Ottawa city bonds, . 

Indianapolis city bonds, . 

Quincy city bonds, . 

Milwaukee city water bonds, 

Cincinnati city bonds, 

St. Paul city bonds, . 

St. Paul (Neb.) city bonds, 

Webster city bonds, . 

Hull city bonds, 

Oxford city bonds, 

Lincoln city bonds, . 

Emporia city bonds, . 

Hartland city bonds, 

Wymore city bonds, . 

Audubon city bonds, 

Ness City city bonds, 

Russell city bonds, . 

Montreal Harbor city bonds, 

Lincoln city bonds, . 

Quebec city bonds, . 

Stratford city bonds, 

Toronto city bonds, . 

Winfield city bonds, . 

Kendallville city bonds, . 

Wichita city bonds, . 

Quebec government bonds, 

Hartford City Salt Company bonds, 



Cost Value. 

$10,250 00 

5,475 00 

9,000 00 

11,987 50 

531,288 75 

100 00 

25,375 00 

200,000 00 
18,400 00 
97,500 00 

149,893 34 
23,357 94 
25,100 00 

140,500 00 

156,690 00 
89,750 00 
40,500 00 

130,689 00 

23,000 00 

75,000 00 

5,000 00 

62,900 00 

133,000 00 

107,570 00 
11,564 00 
48,500 00 

100,000 00 

52,350 00 

20,000 00 

13,000 00 

40,000 00 

9,800 00 

29,500 00 

14,500 00 

10,000 00 

5,000 00 

5,000 00 

11,875 00 

5,000 00 

60,000 00 

11,880 00 

40,000 00 

21,000 00 

498,317 00 
10,000 00 
13,000 00 
46,000 00 

207,500 00 
15,000 00 



Market Value 

$11,800 00 

6,500 00 

10,000 00 

14,500 00 

552,000 00 

100 00 

26,250 00 

225,100 00 
18,400 00 

102,000 00 

163,240 00 
18,354 00 
20,080 00 

140,500 00 

172.700 00 

124,000 00 
55,000 00 

149,500 00 

23,460 00 

76,500 00 

5,000 00 

77,000 00 

143,640 00 

126,000 00 
24,000 00 
56,100 00 

125,000 00 

66,000 00 

21,000 00 

13,650 00 

41,200 00 

10,000 00 

30,975 00 

14,500 00 

8,000 00 

5,000 00 

5,000 00 

12,500 00 

5,000 00 

64,800 00 

12,000 00 

41,500 00 

22,050 00 

527,310 00 
10,000 00 
13,000 00 
50,000 00 

228,250 00 
15 000 00 



52 



^TNA LIFE INSURANCE COMPANY. 



Cimarron city bonds, 

David city bonds, 

Ellsworth city bonds, 

Superior city bonds, . 

Seneca city bonds, 

Pratt city bonds, 

Burrton city bonds, . 

Lyons city bonds, 

Canton city bonds, . 

Norton city bonds, . 

Kingman city bonds, 

South Hutchinson city bonds, 

Loup City city bonds, 

Conway Springs city bonds, 

Douglass city bonds, 

Coolidge city bonds, . 

Johnson city bonds, . 

Englewood city bonds, 

Seward city bonds, . 

Governor's Foot Guard bonds, 

City of Alma bonds, . 

City of Orleans bonds, 

City of Hastings bonds, . 
Ford county bonds, . 
Macoupin county bonds, . 
Mason & Tazewell county bonds 
Gallatin county bonds, 
Ramsey county bonds, 
Edward county bonds, 
Moultrie county bonds, 
Ellsworth county bonds, . 
Lyon county bonds, . 
Pawnee county bonds, 
Harper county bonds, 
Stafford county bonds, 
Benton county bonds, 
Hunt Drainage District bonds, 
Ulysses City bonds, . 
Reno county bonds, . 
Seward county bonds, 
Clay county bonds, . 
Paris town bonds, 
Hartford town bonds, 
Grant town bonds, . 
Urban a town bonds, . 
Meade county bonds, 
Gray county bonds, . , 
Nickerson city bonds, 



Cost Value. 

$10,000 00 
6,300 00 
37,260 00 
13,000 00 
9,500 00 
12,900 00 
12,880 00 
32,200 CO 
6,405 00 
16,400 00 
10,000 00 
3,500 00 
6,000 00 
13,000 00 
11,000 00 
10,000 00 
8,500 00 
4,200 00 
13,500 00 
10,000 00 
8,122 50 
8,500 00 
54,000 00 
48,500 00 
78,800 00 
26,500 00 
10,400 00 
20,000 00 
20,000 00 
15,000 00 
26,000 00 
35,000 00 
25,000 00 
11,500 00 
5,000 00 
3,000 00 
24,250 00 
9,500 00 
20,500 00 
47,000 00 
24,125 00 
10,000 00 
71,600 00 
20,000 00 
3,500 00 
23,000 00 
7,500 00 
10,000 00 



Market Value. 

$6,000 00 
7,350 00 
40,500 00 
13,000 00 
10,000 00 
15,000 00 
14,000 00 
35,000 00 
7,000 00 
17,000 00 
10,000 00 
3,500 00 
6,000 00 
13,000 00 
11,000 00 
5,000 00 
8,500 00 
4,000 00 
15,000 00 
10,500 00 
9,000 00 
8,500 00 
61,200 00 
50,000 00 
82,740 00 
27,825 00 
13,000 00 
21,200 00 
20,000 00 
15,300 00 
26,000 00 
17,500 00 
25,000 00 
11,500 00 
5,000 00 
3,090 00 
25,000 00 
6,000 00 
20,500 00 
47,000 00 
25,000 00 
10,000 00 
75,050 00 
21,000 00 
3,500 00 
23,000 00 
7,500 00 
10,000 00 



^TNA LIFE INSURANCE COMPANY. 



53 



Lakin township bonds, 
Ironvvood city bonds, 
Meade Center township bonds, 
Jackson town bonds, 
Coaticook town bonds, 
Lake Fork town bonds, . 
Montrose county bonds, . 
Huntington county bonds, 
Las Animas county bonds, 
Goodland city bonds, 
Pawnee city bonds, . 
Greenfield city bonds, 
Dalles city bonds, 
Anthony city bonds, . 
Harper city bonds, , 
Beatrice city bonds, . 
Goldendale city bonds, 
Tipton city bonds, 
Keithsburg town bonds, . 
Ross town bonds, 
Levis town bonds, 
Highland town bonds, 
Newman & Fullerton town bonds, 
Rock Creek town bonds, . 
Sprague town bonds, 
Province of Quebec bonds, 
Dodge town bonds, . 
Mt. Forest town bonds, 
Pleasant town bonds, 
Hager Slough town bonds, 
Creek town bonds, . 
Reecler town bonds, . 
Jefferson town bonds, 
Great Bend town bonds, . 
Tascola town bonds, 
Butler town bonds, . 
Coldwater town bonds, 
Laniard town bonds, 
Wild Cat town bonds, 
Fond du Lac town bonds, . 
Neoclesha town bonds, 
Baxter Springs town bonds, 
Monroe Township town bonds, 
Morton Township town bonds, 
Henderson town bonds, . 
Lockridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 



Cost Value. 

$10,000 00 

20,000 00 

15,000 00 

9,900 00 

21,000 00 

19,000 00 

6,000 00 

3,000 00 

29,300 00 

9,000 00 

4,000 00 

1,486 50 

50,000 00 

19,000 00 

19,000 00 

10,000 00 

12,500 00 

7,677 00 

19,000 00 

16,416 00 

28,000 00 

10,000 00 

4,000 00 

28,710 00 

40,133 33 

153,187 50 

3,000 00 

20,000 00 

35,000 00 

5,000 00 

6,000 00 

15,840 00 

6,000 00 

6,000 00 

10,000 00 

5,000 00 

10,000 00 

3,000 00 

500 00 

25,000 00 

12,000 00 

20,500 00 

38,610 00 

8,550 00 

4,750 00 

7,600 00 

9,600 00 

45,700 00 



Market Value. 

$5,000 00 

21,000 00 

15,000 00 

10,000 00 

21,000 00 

19,000 00 

6,300 00 

3,150 00 

30,765 00 

9,000 00 

4,000 00 

1,486 50 

55,000 00 

21,000 00 

21,000 00 

10,500 00 

13,125 00 

8,060 85 

19,950 00 

16,416 00 

28,000 00 

10,000 00 

4,000 00 

29,000 00 

42,000 00 

165,240 00 

3,000 00 

20,600 00 

7,000 00 

5,250 00 

6,000 00 

16,000 00 

6,000 00 

6,000 00 

10,500 00 

5,000 00 

8,000 00 

3,150 00 

500 00 

26,250 00 

12,000 00 

20,500 00 

40,950 00 

9,000 00 

5,000 00 

8,000 00 

10,000 00 

50,000 00 



54 



J3TNA LIFE INSURANCE COMPANY. 



Boiling Prairie town bonds, 
Hayes town bonds, . 
McFadden town bonds, . 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle township bonds, 
Valley Center township bonds, 
Richland township bonds, 
Little River township bonds, . 
Victoria township bonds, . 
Liberty township bonds, . 
Burrton township bonds, . 
Green Garden township bonds, 
Phillipsburg township bonds, . 
Plum township bonds, 
Center township bonds, . 
Jefferson township bonds, 
Lake township bonds, 
Richland township bonds, 
Lincoln township bonds, . 
Elk Creek township bonds, 
Limestone township bonds, 
Ezbon township bonds, 
Grovel and township bonds, 
Banner township bonds, . 
Harrison township bonds, 
Valparaiso township bonds, 
Haynesville township bonds, . 
Turkey Creek township bonds, 
May township bonds, 
Pleasant Valley township bonds, 
Antelope township bonds, 
Little Blue township bonds, 
Alma township bonds, 
Township G bonds, . 
Franklin township bonds, 
Township M bonds, . 
Township L bonds, . 
Township B bonds, . 
Brown township bonds, . 
New York township bonds, 
Baker township bonds, 
Henderson township bonds, 
Thayer township bonds, . 
Stewart township bonds, . 
Union township bonds, 
Bone Creek township bonds, . 
Read township bonds, 



Cost Value. 

$18,000 00 

17,575 00 

9,500 00 

7,600 00 

19,200 00 

13,800 00 

9,200 00 

12,040 00 

21,160 00 

20.240 00 

7,600 00 

23,920 00 

13,800 00 

9,150 00 

12,900 00 

41,860 00 

7,600 00 

17,480 00 

12,352 50 

13,800 00 

7,600 00 

13,725 00 

8,600 00 

13,760 00 

24,685 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

4,061 25 

3,900 00 

4,512 50 

• 2,707 50 

5,866 25 

9,000 00 

6,300 00 

9,000 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

4,500 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 



Market Value. 

$18,000 00 

19,000 00 

10,000 00 

8,000 00 

20,000 00 

15,000 00 

10,000 00 

14,000 00 

23,000 00 

22,000 00 

8,000 00 

26,000 00 

15,000 00 

10,000 00 

15,000 00 

45,000 00 

8,000 00 

19,000 00 

13,500 00 

15,000 00 

8,000 00 

15,000 00 

10,000 00 

16,000 00 

27,500 00 

20,000 00 

5,500 00 

19,000 00 

3,000 00 

4,500 00 

3,9; 00 

5,000 00 

3,000 00 

6,500 00 

10,200 00 

7,000 00 

10,200 00 

5,100 00 

10,200 00 

6,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

6,000 00 

10,000 00 

10,000 00 



MTNA LIFE INSURANCE COMPANY. 



55 



Olive township bonds, 

Oak Creek township bonds, 

Stromburg Village bonds, 

Village of Ord bonds, 

Bowen precinct bonds, 

Victor precinct bonds, 

Fairmount precinct bonds, 

Lincoln precinct bonds, 

Center precinct bonds, 

Twin Grove precinct bonds, 

Madison precinct bonds, . 

Harvard precinct bonds, . 

Nova precinct bonds, 

Geneva precinct bonds, 

Exeter precinct bonds, 

Ainsworth precinct bonds, 

Coolidge Bridge town bonds, . 

School District, Kansas, bonds, 

Spring Creek precinct school bonds, 

Cedar Rapids school bonds, 

Ida Grove school bonds, . 

Glad Brook school bonds, 

South Bend school bonds, 

Batavia school bonds, 

Sidell school bonds, . 

Odebolt school bonds, .......... 

Van Horn school bonds, . 
School District Nos. 4 and 77 school bonds, 
School District No. 10 school bonds, 
Panora school bonds, ..'.... 

School District No. 42 school bonds, 
Lebanon school bonds, .... 

Inlet Swamp drainage bonds, . . . , 
City of Victoria bonds, .... 

City of Ossawatomie bonds, 
Hamilton county bonds, . 
City of Downs bonds, 
Beaver precinct bonds, 
Lincoln township bonds, 
Jefferson precinct bonds, 
City of Santa Fe bonds, 
Fargo township bonds, 
Stanton county bonds, 
Haskell County bonds, 
Lane County bonds, . 
Vancouver city bonds, 
St. Hyacinthe city bonds, 
Enterprise city bonds, 



Cost Value. 

$5,400 00 

5,400 00 

12,000 00 

4,000 00 

10,000 00 

15,000 00 

27,075 00 

6,300 00 

6,300 00 



Market Value. 



4,500 00 
22,500 00 

3,840 00 
13,500 00 



8,400 00 

55,900 00 

5,760 00 

114,000 00 

15,500 00 
1,500 00 
1,000 00 

10,000 00 
2,700 00 
3,250 00 
1,000 00 
4,000 00 
2,000 00 
500 00 
4,000 00 

19,000 00 
7,200 00 



20,000 00 

40,000 00 

29,100 00 

14,000 00 

6,720 00 

4,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 00 

10,000 00 



6,000 00 
12,000 00 

4,000 00 
10,000 00 
15,000 00 
30,000 00 

7,000 00 

7,000 00 
10,000 00 

5,000 00 
25,500 00 

4,000 00 
15,300 00 
20,400 00 

8,000 00 

4,000 00 



119,700 00 

16,275 00 

1, 



>,700 00 
!,250 00 
.,000 00 



2,000 00 

500 00 

4,000 00 

19,950 00 

7,560 00 



20,000 00 



31,500 00 

14,000 00 

7,000 00 

5,000 00 

3,375 00 

15,000 00 

12,000 00 

10,000 00 

33,000 00 

245,250 00 

30,000 00 

10,000 00 



56 



.ETNA LIFE INSURANCE COMPANY, 



Three Rivers city bonds, . 

Sault St. Marie city bonds, 

Springfield, Kan., city bonds, . 

Lincoln precinct bonds, .-...'. 

Anthony township bonds, . 

Spring- township bonds, . 

Grant township bonds, ...... 

Sheriden township bonds, 

Ford township bonds, . 

Valley township bonds, ...... 

Newman township drainage bonds, . 
Young America township drainage bonds, 
Iroquois County drainage bonds, 
Indian Grave drainage bonds, 
Nelson precinct drainage bonds, 
Nichols precinct drainage bonds, 
North St. Paul village drainage bonds, . 
Atkinson village drainage bonds, 
Valentine village drainage bonds, . 
Parkdale town drainage bonds, 
City of St. Thomas drainage bonds, 
West Toronto Junction drainage bonds, . 
Town of Windsor, Ontario, drainage bonds, 
City of Kingston, Ontario, drainage bonds, 
City of Bellville, Ontario, drainage bonds, 
Superior city bonds, ..... 

Young America township drainage bonds, 
New Pankey Pond drainage bonds, . 

Brocton drainage bonds, 

Cote Sainte Antoine bonds, 

Town of Gault bonds, .... 

Province of New Brunswick bonds, . 

City of St. John, N. B., bonds, 

City of Hamilton, Pro v. of Ont., bonds, . 

City of Halifax bonds, .... 

City of Sherbrooke, Prov. of Que., bonds, 

Roman Catholic School, Montreal, bonds, 

Protestant School, Montreal, bonds, 

Dickens County bonds, .... 

Wichita County bonds, .... 

Lewis County bonds, . . . . 

Snohomish County bonds, 

Tarrant County bonds, .... 

Orange County bonds, .... 

Duval County bonds, .... 

Coke County bonds, ..... 

Roanoke city bonds, . . 

Peoria city school scrip, .... 



Cost Value. 

£32,500 00 
20,000 00 
16,000 00 



2,850 00 
12,350 00 
12,255 00 

1,380 00 
14,700 00 

2,375 00 

7,000 00 



11,000 00 

34,369 39 

22,000 00 

7,000 00 

22,000 00 

7,000 00 

8,400 00 

74,847 74 

120,003 53 
94,043 09 

102,547 03- 
51,863 99 
50,000 00 
25,000 00 
11,600 00 
3,500 00 
9,000 00 
98,250 00 
49,125 00 
66,000 00 

• 49,375 00 
42,400 59 

100,000 00 
72,750 00 
85,000 00 

200,687 60 
25,000 00 



25,750 00 

25,000 00 

59,210 00 

4,750 00 

4,600 00 

6,500 00 

10,500 00 

75,000 



Market Value. 

135,100 00 

21,200 00 

11,200 00 

5,000 00 

3,000 00 

13,000 00 

12,900 00 

1,380 00 

15,000 00 

2,500 00 

7,350 00 

42,525 00 



27,750 30 

22,000 00 
7,000 00 

23,100 00 
7,350 00 
8,820 00 

74,847 74 
122,403 39 

97,810 52 
107,674 38 

54,457 19 

51,500 00 



12,180 00 

3,675 00 

9,450 00 

103,000 00 

51,500 00 

69,300 00 

51,000 00 

43,151 41 

105,000 00 

76,500 00 

87,550 00 

209,090 00 

26,250 00 

4,000 00 

26,250 00 

26,250 00 

61,950 00 

4,987 50 

4,830 00 

6,825 00 

10,500 00 

78,750 00 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



57 



Shellsburg school scrip, . 

Prince Edward Island bonds 

City of New Britain bonds, 

Town of Glastonbury bonds, 

Wapello County bonds, 

"Warren County bonds, 

Cass Count}- bonds, . 

Grant County bonds, 

Clark County bonds, 

Jackson County bonds, 

Jefferson County bonds, 

Birmingham city bonds, 

Stuart city bonds, 

Big Lake drainage bonds, 

Mason & Menard drainage bonds, 

Protestant Hospital for Insane bonds, 

Ains worth precinct bonds, 

Arizona Territory bonds, .. 

Karnes County, Tex., bonds, 

Bexar County, Tex., bonds, 

Fort Bend, Tex., bonds, . 

Hamilton County, Tex., bonds, 

Young County, Tex., bonds, 

Peoria County, 111., bonds, 

Hartford City, W. Va., bonds, 

Province of Quebec bonds, 



Cost Value. 

$3,200 00 

97,250 00 

50,000 00 

8,000 00 

19,400 00 

42,600 00 

8,000 00 

32,500 00 

7,000 00 

20,000 00 

12,000 00 

25,000 00 

3,500 00 

33,000 00 

10,000 00 

74,000 00 

10,550 00 

130,000 00 

20,000 00 

50,000 00 

20,000 00 

12,000 00 

28,000 00 

16,200 00 

2,000 00 

94,899 67 



Market Value. 

$3,200 00 

103,000 00 

50,000 00 

8,000 00 
20,000 00 
44,730 00 

8,400 00 
34,125 00 

7,210 00 
21,000 00 
12,600 00 
27,000 00 

3,500 00 
34,650 00 
10,500 00 
76,220 00 
10,000 00 
136,500 00 
20,600 00 
51,500 00 
20,600 00 
12,600 00 
29,400 00 
17,010 00 

2,000 00 
110,000 00 



$11,726,720 16$12,380,712 78 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, 1865.] 
Paid-up Capital, $150,000. 

Thomas W. Russell, President. Fkederick V. Hudson, Secretary, 



Income. 
Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premium notes received for renewals, 
Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance 
Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium' income, . - , 



$46,853 05 
290,823 73 
5,998 92 
5,299 45 
1,809 29 
7,039 00 
1,000 00 



$358,823 44 
5,929 53 



$352,893 91 



58 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on sales of real estate, 
for reinsurance, .... 

Premium notes or loans restored, .... 

Total income, . . . . . . 

Net or ledger assets Dec. 31, 1893, .... 

Total, 



. f 124,369 


01 


120 


93 


5,652 


93 


. 487 


20 


669 


00 


71 


46 


. $484,264 44 


. 2,411,652 


42 


. $2,895,916 86 



Disbursements. 

Cash paid for losses, $115,969 00 

Cash paid for matured endowments, ..... 42,062 94 

Gross amount paid for losses and endowments, . . $158,031 94 

Received for losses and claims on policies reinsured, . . 2,182 46 

Net amount paid for losses and endowments, . . . $155,849 48 
Premium notes or loans used in purchase of surrendered 

policies, $377.66; voided by lapse, $267.93, . . . . 645 59 
Premium notes or loans used in payment of dividends to 

policy-holders, 723 74 

Cash dividends paid policy-holders, 21,494 43 

Cash dividends applied to pay running premiums, . . 5,299 45 

Surrender values paid in cash, 22,522 13 

applied to pay running premiums, . . 1,809 29 

applied to purchase paid-up insurance, . 7,039 00 

Total paid policy-holders, . . . . . . . $215,383 11 

Cash paid for dividends to stockholders, . . . . . 12,000 00 

for commissions to agents, new policies, $18,317.67 ; 

renewals, $13,302.79, ...... 31,620 46 

for salaries and allowances to managers and agents, 22,897 11 

for medical examiner's fees and inspections, . . 3,648 00 

for salaries of officers and home office employees, . 18,470 01 

for taxes on premiums, ...... 2,062 20 

for taxes on reserves, ...... 3,463 57 

for fees, licenses, etc., 683 88 

for real estate expenses, . . . . . . 4,627 44 

for legal expenses, 387 50 

for incidentals, 11,123 18 

Profit and loss account, ........ 370 00 

Total disbursements, $326,736 46 



Balance, 



,569,180 40 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



59 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . . . 

Cash deposited in bank, 

Bills receivable, ....... 

Agents 1 ledger balances, ...... 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, .... 



$218,343 55 

1,745,969 31 

5,989 61 

72,908 13 

51,695 85 

435,396 28 

1,898 47 

35,663 79 

705 00 

610 41 



5,569,180 40 
48,910 78 

>,520,269 62 



Other Assets. 

Interest due and accrued, ..... 
Market value of stocks and bonds, over cost, . 



56,604 15 
15,828 72 



New Business. 

Uncollected premiums on policies 

in force, ..... f 5,554 02 
Deferred premiums on policies in 

force, 9,459 10 



Total, . . 
Deduct loading (20 per cent.), 



,013 12 
3,002 62 



Renewals. 

$1 1,747 90 
48,884 92 



$60,632 82 
12,126 56 



$48,506 26 



41 

705 00 



Net amount of uncollected and de- 
ferred premiums, » . . $12,010 50 

Total assets, per company's books, . 

Items not Admitted. 

Agents' balances, ...... 

Bills receivable, ...... 

Total, 

Total admitted assets, ....... 

Liabilities. 

Computed premium reserve or net present value of all out- 

standing policies (actuaries' 4 per cent.), .''.... 

Deduct net value of reinsured risks, . . . . . 

Net reinsurance reserve, ....... 



60,516 76 



$2,653,219 25 



1,315 41 
$2,651,903 84 



$2,107,603 00 
30,850 00 

$2,076,753 00 



60 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, ..... 



$13,667 90 
20,176 00 



|538,780 54 



Gross liabilities, 



Premium Note Account 



Premium notes on hand Dec. 31, 1893, 
received during 1894, 
restored by revival of policies 

Total, 

Used in payment of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



Balance note assets Dec. 31, 1894, 



$51,316 64 

5,998 92 

71 46 

$377 66 
267 93 
723 74 

4,321 84 



$33,843 90 

824 93 

1,701 47 

!,113,123 30 

150,000 00 
388,780 54 

},651,903 84 



$57,387 02 



5,691 17 



$51,695 85 



Exhibit of Policies. 

Policies in Force Dec. 31, 1893. 

Number. Amount. Total No. 



Whole life, 


. 4,231 $6,047,493 00 


Endowment, 


. 3,872 4,517,452 00 


All other, . 


32 106,819 00 




Policies issued during the Year. 


Whole life, 


. 577 $944,797 00 


Endowment, 


660 762,178 00 


All other, . 


4 25,000 00 



Total Amount. 



8,135 $10,671,764 00 



1,241 1,731,975 00 



Whole life, 
Endowment, 



Old Policies revived. 
10 $9,200 00 

14 17,300 00 



24 



26,500 00 



Whole life, 
Endowment, 

Total, . 



Old Policies changed and increased. 

12 $19,115 00 

2 4,410 00 



14 



23,525 00 



9,414 $12,453,764 00 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



61 



Policies terminated during the Year. 

Number. Amount. Total No. 



Total Amount. 



Whole life, 


463 


$731,749 00 


Endowment, 


449 


564,662 00 


All other, .... 


12 


42,710 00 




924 


$1,339,121 00 




How terminated. 


By death, .... 


73 


$123,495 00 


maturity, 


93 


160,025 00 


expiry, 


5 


21,000 00 


surrender, . 


153 


191,484 00 


lapse, . 


413 


524,180 00 


change and decrease, . 


14 


89,937 00 


Not taken, 


173 


229,000 00 



924 $1,339,121 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 

. 4,367 $6,288,856 00 

. 4,099 4,736,678 00 

24 89,109 00 



8,490 $11,114,643 00 



Schedule A. 

Securities held as Collateral. 



Mecklenburg County, N. C, bond, . 
Mortgage loan, ..... 
Arizona Improvement Company bonds, 
1 share Mudge Shoe Company, 



Schedule B* 

Stocks and Bonds owned by the 

187 shares New York, New Haven & H. R.R., 

100 " N, W. Telegraph Company, . 

40 " Fourth National Bank, N. Y., 

216 " American National B'k, Hartford 

104 " Phoenix National Bank, Hartford, 

52 " Charter Oak Nat'l Bank, Hartford 

70 " Hartford Nat'l Bank, Hartford, 

100 " First National Bank, Hartford, 

20 " iEtna National Bank, Hartford, 

12 " Farm and Mech. N'l B'k, Hartford 

24 " City National Bank, Hartford, 



Market Value. 

$1,120 00 

500 00 

8,000 00 

100 00 



Company. 

Cost Value. 

$22,993 03 

5,200 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,373 50 

2,250 67 

2,790 00 



Loaned Thereon. 

$500 00 

400 00 

5,000 00 

89 61 



>,720 00 $5,989 61 



Market Value. 

$36,465 00 

5,250 00 

7,600 00 

14,472 00 

13,000 00 

4,680 00 

10,150 00 

11,200 00 

2,900 00 

1,344 00 

2,400 00 



62 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



50 shares Thames National Bank, Norwich, . 

86 " Conn. Trust and Safe Deposit Co , . 

50 " Security Company, 

Evansville, Ind., city bonds, 

Indianapolis, Ind., city bonds, 

Cleburne, Tex., city bonds, 

Oak Cliff, Tex , city bonds, 

San Antonio, Tex., city bonds, . 

Weatheiford, Tex., city bonds, 

Fort Worth, Tex., city bonds, . 

Gainesville, Tex., city bonds, . 

Greenville, Tex., city bonds, . 

Superior, Wis., bonds, .... 

Fremont, Neb., bonds, . 

Norwich, Kan., bonds, .... 

Huron, So. Dakota, bonds, 

Mechlenburg County, N. C, bonds, . 

Clallam County, Wash., bonds, 

Colbert County, Ala., bonds, . 

Pekin and La Marsh, Peoria Co., bonds, . 

Lyon County, la., bonds, .... 

Cowley County, Kan., bonds, . 

Pawnee County, Kan,, bonds, . 

Mason and Tazewell, 111., bonds, 

Wildcat, Champaign County, 111., bonds, 

Big Slough, Champaign County, ill , bonds, 

Lima Lake, Adams County, 111., bonds, . 

Indian Grave, Adams County, 111., bonds, 

Clay County, Minn., bonds, 

Skagit County, Wash , funding bonds, . 

Arizona Territorial funding bonds, . 

Clay School Township, Ind., bonds, . 

Oxford School Township, Kan., bonds, . 

Todd County, Minn., school district bonds, 

Denver Water Company bonds, 

Southwestern Irrigation Company bonds, 

Arizona Canal Company bonds, 

Arizona Improvement Company bonds, . 

Garden City Irrigation Company bonds, . 

Lake Shore & Michigan Southern R.R. bonds, 

Terre Haute & Logansport R.R. bonds, . 

Valley Railroad, Ohio, bonds, . 

N. Y , New Haven & Hart. R.R. certificates, . 



Cost Value. 

$6,850 00 
8,428 00 
4,750 00 

16,353 95 

24,500 00 
7,070 00 
5,200 00 

11,050 00 

10,200 00 
4,950 00 
5,150 00 
5,175 00 
9,800 00 
4,060 00 
2,625 00 
1,500 00 

10,610 00 
5,000 00 
5,362 50 
5,075 00 
5,000 00 

10,250 00 
5,000 00 
5,346 50 

15,375 00 

10,150 00 

13,000 00 
5,044 00 

11,375 00 
5,350 00 

15,000 00 
3,000 00 
5,000 00 
1,600 00 

13,000 00 
5,000 00 

10,000 00 
4,750 00 
5,000 00 
5,089 38 

10,000 00 

10,462 50 
7,400 00 



Market Value. 

$7,250 00 

14,104 00 

8,200 00 

15,3()0 00 

25,750 00 

7,560 00 

5,350 00 

11,000 00 

10,400 00 

4,800 00 

5,400 00 

5,300 00 

10,000 00 

4,040 00 

2,950 00 

1,500 00 

11,200 00 

5,250 00 

5,350 00 

5,100 00 

2,500 00 

10,600 00 

5,300 00 

5,300 00 

15,300 00 

10,300 00 

13,650 00 

5,200 00 

12,000 00 

5,500 00 

15,000 00 
3,000 00 

5,300 00 

1,648 00 

11,900 00 

2,500 00 

10,700 00 

5,300 00 

2,500 00 

6,050 00 

11,200 00 

5,000 00 

10,212 00 



$435,396 28 $451,225 00 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 63 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 



Jacob L. Greene, President. 



Edward M, Bunce, Secretary, 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, ..... 
Dividends applied to pay running premiums, .... 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, . . . . . . 

Total, 

Cash received for interest, . 

as discount on claims paid in advance, 

for rents of company's property, 

for profits on securities sold, .... 

Premium notes or loans restored, ...... 



Total income, 
Net or ledger assets Dec. 31, 

Total, 



Disbursements. 
Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 



$310,153 95 
3,011,717 37 
1,110,294 08 

29,327 09 

216,480 39 

. $4,677,972 88 

. 2,938,752 83 

1,212 97 

268,442 48 

19,377 25 

821 00 

. $7,906,579 41 
. 59,926,199 59 

$67,832,779 00 



S,921 ? 099 00 

25,959 99 

326,609 69 

206 31 



Gross amount paid for losses and endowments, . . $4,273,874 99 
Premium notes or loans used in purchase of surrendered 

policies, f 15, 116.50 ; voided by lapse, $5,263.00, . . . 20,379 50 
Premium notes or loans used in payment ot dividends to 

policy-holders 38,319 75 

Cash dividends paid policy-holders, . „ . . 116,801 37 

Cash dividends applied to pay running premiums, . . 1,110,294 08 

Surrender values paid in cash, . . . . . . . 394,335 35 

values applied to pay running premiums, . , . 29,327 09 
values applied to purchase paid-up insurance and 

annuities, 216,480 39 

Total paid policy-holders, . . . . . $6,199,812 52 

Cash paid for commissions to agents, new policies, $85,411 54 ; 

renewals, f 244,687.40, ...... 330,098 94 

for salaries and allowances to managers and agents, 26,787 13 

for medical examiner's fees and inspections, . . 21,153 88 

for salaries of officers and home office employees, 140,551 54 



64 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 



18 ; on investments, 



Cash paid for taxes on premiums, . 

for taxes on reserves, $10,425 

$253,604.88, . 
for fees, licenses, etc., 
for rent, .... 
for advertising and printing, 
for real estate expenses, . 
for legal expenses, . 
for incidentals, 

Total disbursements, . 

Balance, ..... 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgages of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash deposited in bank, ..... 

Bills receivable, ...... 

Agents' ledger balances, 

Ledger assets (as per balance), . . 

Other Assets. 

Interest due and accrued, ♦ . . 

Bents due and accrued, ..... 

Market value of stocks and bonds, over cost, , 



$28,048 01 

264,030 06 

8,450 07 

7,746 65 

46,444 98 

138,596 90 

21,761 52 

49,895 44 

$7,286,380 64 



,546,398 36 



$7,362,583 74 

37,484,848 18 

12,300 00 

1,259,444 15 

12,637,850 50 

1,784,032 30 

1,546 43 

3,793 06 



,546,398 36 



991,460 63 

7,091 83 

486,721 50 



New Business. 



Renewals. 



Deferred premiums on policies in 

force, ..... .$35,69030 $218,37597 

Deduct loading (20 percent.),. . 7,138 06 43,675 20 



Net amount of uncollected and de- 



ferred premiums, . 



.$28,552 24 $174,700 77 



Total assets, per company's books, , , 

Items not admitted. 

Agents' balances, ...... 

Bills receivable, ...... 

Total, ........ 

Total admitted assets, . . . . 
Deduct special deposits in other States, . . 

joaiance, . ■ . . ■ t -> 



203,253 01 


$62,234,925 33 


$3,793 06 




1,546 43 


5 339 49 



,229,585 84 
100,000 00 



$62,129,585 84 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 65 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 

Death losses due and unpaid, .... $118,308 50 

Matured endowments due and unpaid, . . 11,913 00 

Death losses and matured endowments in proc- 
ess of adjustment, 96,640 00 

Claims resisted by the company, . . . 59,670 00 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, 

Reserve on lapsed policies, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 

Gross liabilities, .... 



$53,075,916 00 



286,531 50 

487,479 56 

40,520 49 

323,090 00 



$54,213,537 55 
100,000 00 



,113,537 55 
8,016,048 29 



,129,585 84 



Premium Note Account. 
Premium notes on hand Dec. 31, 1893, . . $1,351,625 21 



Premium notes restored by revival of policies, 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy 

holders, 

Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1894, 



821 00 



$26,166 30 

15,116 50 

5,263 00 

38,319 75 
8,136 51 



,352,446 21 



93,002 06 
,259,444 15 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Exhibit op Policies. 
Policies and Additions in Force Dec. 3_Z, 1893. 

Number. Amount. Total Number. Total Amount. 

. 60,161 $145,003,734 00 
. 5,540 11,990,764 00 
65,701 $156,994,498 00 

Policies issued during the Year. 

. 3,527 $8,858,299 00 
550 1,251,921 00 



Whole life, 
Endowment, 



4,077 10,110,220 00 



Old Policies revived. 

40 $112,105 00 

3 5,095 00 



43 



117,200 00 



66 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 



Old Policies increased. 



Number. 



Whole life, 
Endowment, 



Amount. Total No. 

$85,287 00 
18,500 00 



Total Amount. 



|103,787 00 



Total, 69,821 $167,325,705 00 

Policies terminated during the Year. 
Whole life, . . . 3,392 $9,583,394 00 
Endowment, ... 450 1,055,440 00 



By death, . 

maturity, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



3,842 


$10,638,834 00 


How 


terminated. 


1,491 


$3,923,587 00 


203 


325,751 00 


667 


1,561,071 00 


1,232 


2,844,000 00 


- 


1,366,425 00 


249 


618,000 00 



3,842 10,638,834 00 



Policies in Force Dec. 31, 1894. 
Whole life, . . . 60,336 $144,476,031 00 
Endowment, ... 5,643 12,210,840 00 

65,979 $156,686,871 00 



Schedule A. 

Securities held as Collateral 

17 shares N.Y., New Haven & Hartford R.R , 
100 shares iEtna Insurance Company, 



Schedule B 

Stocks and Bonds owned by the 

United States currency, 

State of Tennessee (settlement), 

City of Jackson, Mich., water bonds, 

City of Louisville, Ky., bonds, . 

ChVy of Mobile, Ala., bonds, 

City of Milwaukee, Wis., water bonds, 

City of Milwaukee, Wis., water bonds, 

City of Quincy, 111., bonds, 

City of Galveston, Tex., bonds, 

City of Austin, Tex., bonds, 

City of Denver, Col., bonds, 

City of Montreal, Can., bonds, . 

City of Logansport, Ind., bonds, 

City of Muncie, lnd , bonds, 



Market Value. 


Loaned Thereon. 


$3,281 00 


$2,300 00 


25,400 00 


10,000 00 


$28,681 00 


$12,300 00 


e Company. 




Cost Value. 


Market Value. 


$99,125 00 


$108,250 00 


19,200 00 


15,552 00 


54,000 00 


60,000 00 


125,339 06 


134,500 00 


87,500 00 


79,625 00 


60,000 00 


71,400 00 


152,000 00 


190,400 00 


165,747 82 


165,000 00 


100,000 00 


100,000 00 


39,000 00 


40,000 00 


241,200 00 


240,000 00 


100,031 25 


100,000 00 


72,720 00 


72,000 00 


15,468 75 


15,000 00 






THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 67 



City of Omaha sewer bonds, . 

City of Omaha paving bonds, . 

City of San Antonio, Tex., bonds, . 

City of Duluth, Minn., bonds, . 

City of St. Paul, Minn., water bonds, 

City of Pueblo, Col., water bonds, . 

City of Seattle, Wash., bonds, . 

County of Leavenworth, Kan., bonds, 

County of Allen, Ind., bonds, . 

County of Hancock, Ohio, Court House bonds 

County of Wyandotte, Kan., bonds, . 

Province of Quebec currency, . 

Atlantic Dock Company, . 

Long Dock Company, 

Baltimore & Ohio R.R., Parkersburg branch, 

Chic, Burl. & Quincy R.R., Missouri River, 

Chicago, St. Louis & New Orleans Railroad, 

Chicago & Western Indiana R.R. bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Central Union Depot and R'y Co., Cincinnati, 

Dayton & Michigan Railroad, . 

Detroit, Lansing & Northern Railroad, 

Harlem River & Port Chester Railroad, 

Lehigh Valley Railroad, . 

Michigan Central Railroad, 

Mich. Cen. R.R., Detroit & Bay City branch, 

N. Y.,Lake Erie & Western R.R., Erie consols 

Northern Pacific Railroad bonds, 

St Louis Cable & Western Railroad, 

St. Paul & Northern Pacific Railroad, 

St. Joseph Terminal Railroad, . 

Vermont Valley Railroad, 

Wabash Railroad consols, 

Philadelphia & Reading Railroad, . 

Terminal Railway Association of St. Louis, 

Manhattan Railway Co., consol. mortgage, 

N.Y., New Haven & Hart. R.R. debentures, 

130 shares First National Bank, Hartford, 
25 " iEtna National Bank, Hartford, 

294 " Phoenix National Bank, Hartford, 
10 " Charter Oak Nat'l Bank,Hartford, 
80 " City Bank, Hartford, . 
40 " State Bank, Hartford, . 

300 " Conn. Trust & Safe Dep. Co. Hart., 

315 " N. Y., New Haven & Hart. R.R., . 
2,000 " Conn. & Pass. Rivers R.R., . 

500 " Massawippi Valley Railroad, 



Cost Value. 

$102,250 00 

58,575 00 

31,800 00 

133,125 00 

132,370 00 

79,312 50 

206,000 00 

99,580 00 

2,070 00 

76,797 50 

86,437 50 

15,468 75 

81,000 00 

391,607 50 

269,375 00 

124,233 05 

776,562 50 

1,098,034 42 

320,712 08 

250,000 00 

210,575 00 

121,752 50 

600,000 00 

1,071,485 17 

102,125 00 

424,068 75 

198,574 42 

507,500 00 

107,325 00 

374,002 50 

350,000 00 

301,500 00 

153,739 23 

1,025,000 00 

336,250 00 

693,750 00 

12,600 00 

13,000 00 

2,500 00 

40,710 25 

1,055 00 

8,000 00 

4,195 00 

30,000 00 

31,500 00 

200,000 00 

50,000 00 



Market Value. 

$104,000 00 

57,200 00 

33,000 00 

135,000 00 

131,440 00 

82,500 00 

208,000 00 

100,000 00 

2,000 00 

75,000 00 

78,750 00 

15,000 00 

81,000 00 

414,020 00 

295,000 00 

127,050 00 

866,250 00 

1,110,700 00 

345,030 00 

250,000 00 

217,300 00 

60,000 00 

612,000 00 

1,138,045 00 

107,000 00 

458,000 00 

199,175 00 

565,000 00 

102,960 00 

377,910 00 

350,000 00 

327,000 00 

146,640 00 

1,050,000 00 

350,000 00 

723,750 00 

12,600 00 

14,300 00 

3,250 00 

35,280 00 

900 00 

8,000 00 

4,000 00 

48,000 00 

60,795 00 

200,000 00 

50,000 00 



$12,637,850 50 $13,124,572 00 



68 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



" THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 



[Incorporated July 26, 1859. Commenced business July 28, 1859.] 
Paid-up Capital, $100,000. 



Henry B. Hyde, President. 



William Alexander, Secretary. 



Income. 

Cash received for premiums on new policies, .... $4,415,322 06 
Cash received for renewal premiums, ..... 28,278,787 86 
Dividends applied to purchase paid-up additions and annuities, 865,158 47 
Surrender values applied to purchase paid-up insurance and 

annuities, 2,093,993 00 

Received for annuities, 385,669 70 



Total, 

Cash received for interest, . . . 
Cash received for rents of company's property, 

Total income, 

Net or ledger assets Dec. 31, 1893, . 



$36,038,931 09 
. 6,047,461 48 
. 1,583,333 94 



},669,726 51 
162,617,018 79 



Total, 



$206,286,745 30 



Disbursements. 

Cash paid for losses and additions, 

for matured endowments and additions, . 
on matured instalment policies, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash dividends paid policy-holders, 

Cash dividends applied to purchase paid-up additions and 

annuities, ... 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 

annuities, 



$11,033,979 71 

794,584 28 

2,700 00 



$11,831,263 99 

385,811 98 

. 1,274,576 11 

865,158 47 
3,022,549 42 

2,093,993 00 



Total paid policy-holders, ... 

Cash paid for dividends to stockholders, 

for commissions to agents, new policies, $2,442,- 

543.39; renewals, $1,841,329.85, . 
for salaries and allowances to managers and agents, 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, . 
for taxes on premiums, 



,473,352 97 
7,000 00 



4,283,873 24 
244,086 92 
279,053 89 
572,401 61 
253,085 10 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 69 



Cash paid for taxes on reserves, $9,860.20 ; on investments, 

1206,332.84, 

for fees, licenses, etc., 

for rent, 

for commuting commissions, .... 

for furniture and office fixtures, 

for advertising and printing, .... 

for real estate expenses, 

for legal expenses, ...... 

for incidentals, ....... 



Total disbursements, . 



Balance, 



$216,193 04 
20,928 54 
283,470 94 
548,633 88 
4,919 90 
265,424 37 
518,307 69 
146,036 84 
309,715 00 



$27,426,483 93 



$178,860,261 37 



Invested in the followinof : — 



Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Book value of stocks and bonds owned (schedule B), 
Cash in company's office and in transit (since received) 
Cash deposited in banks and trust companies, 
Commuted commissions, ...... 

Agents' ledger balances, 

Ledger assets (as per balance), 



$39,413,248 27 

26,342,841 16 

5,663,500 00 

906,077 50 

93,256,373 37 

2,287,140 05 

9,085,330 10 

555,160 72 

1,350,590 20 



$178,860,261 37 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, . . . . 
Market value of stocks and bonds, over book, 



$431,070 74 

96,129 32 

2,466,104 63 



New Business. Renewals. 

Uncollected premiums on policies 

in force, . . . . . $679,796 00 $806,739 00 
Deferred premiums on policies in 

force, 324,522 00 2,177,373 00 



Total, .... $1,004,318 00 $2,984,112 00 
Deduct loading (20 per cent.), . 200,863 60 596,822 40 



Net amount of uncollected and de- 
ferred premiums, . . . $803,454 40 $2,387,289 60 



3,190,744 00 



Total assets, per company's books, . 



$185,044,310 06 



70 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Items not admitted. 

Commuted commissions, $555,160 72 

Agents' balances, 1,350,590 20 

Total, $1,905,750 92 



Total admitted assets, .... 
Deduct special deposits in other States, . 



$183,138,559 14 
. 11,444,824 00 



Balance, $171,693,735 14 



Liabilities. 

Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc 

ess of adjustment, . . . . 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 
Present value of unpaid instalments, 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



$145,971,926 00 
$223,621 52 
17,687 10 

1,035,292 32 

156,207 00 

11,112 27 

32,414 00 

1,476,334 21 

114,211 00 



$147,562,471 21 
. 11,408,539 00 



Surplus as regards policy-holders, . 
Paid-up capital, ..... 
Surplus over capital, 

Gross liabilities, . ' . 



$136,153,932 21 
.$35,539,802 93 

100,000 00 

. 35,439,802 93 



$171,693,735 14 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Total No. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. 

. 234,378 $782,036,743 00 

. 41,237 139,069,953 00 

. 2,820 5,003,396 00 

6,422,485 00 



Total Amount. 



278,435 $932,532,577 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 41,676 $133,175,964 00 

. 9,815 31,455,144 00 

735 2,232,787 00 



52,226 166,863,895 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 71 





Old Policies revived. 






Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 1,489 


|6,345,272 00 




Endowment, 


312 


1,212,965 00 




All other, . 


19 


56,000 00 








1 8°0 


17,614,237 00 








Additions by dividends, 


• 


- 


1,492,887 00 



Total, 



Whole life, 
Endowment, 
All other, . 



332,481 $1,108,503,596 00 



Policies terminated during the Year. 

. 42,039 |162,886,796 00 

. 8,215 27,996,325 00 

650 4,063,742 00 





50,904 


$194,946,863 00 




How terminated. 


By death, . 


. 3,051 


$11,253,337 00 


maturity, 


219 


785,222 00 


expiry, 


273 


847,955 00 


surrender, . 


. 10,356 


40,018,969 00 


lapse, . 


. 24,852 


65,568,019 00 


change and de< 


urease, . - 


10,947,292 00 


Not taken, . 


. 12,153 


65,526,069 00 



50,904 194,946,863 00 



Policies in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



. 235,504 $758,671,183 00 

. 43,149 143,741,737 00 

. 2,924 4,645,716 00 

6,498,097 00 



281,577 $913,556,733 00 



Western Union Telegraph stock, 
Baltimore & Ohio Railroad, 
Pittsburgh & Western Railway, 
United States Express Company, 
Chesapeake & Ohio Railway, . 
Southern Pacific of California, . 
Texas & New Orleans, 
Galveston, Harrisburg & San Antonio, 
Austin & Northwest,. 
Southern Pacific of Arizona, . 
Wells, Fargo & Co. Express stock, . 



Schedule A. 

Securities held as Collateral. 

Market Value. 

$705,000 00 



213,500 00 

40,500 00 

32,250 00 

75,250 00^ 

45,500 00 

45,500 00 

45,875 00 \ 

22,187 00 

23,125 00 

75,600 00 J 



Amount Loaned. 

$800,000 00 
50,000 00 



250,000 00 



72 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Pittsburgh & Western Railway, 
New York, Susquehanna & Western, 
Westinghouse Electric and Manuf. Co., . 
Western National Bank, .... 

Central Railroad & Banking Co. of Georgia, 

Trust Receipts, Georgia Central securities, 

Atlantic & Pacific, 

Colorado Midland, . 

St. Louis, Kansas City and Southwestern, 

Atchison, . . . 

St, Louis & San Francisco, 

Mercantile Trust Company stock, 

Chesapeake & Ohio, . 

Canada Southern, 

Chicago & East Illinois, . 

Chicago, Rock Island & Pacific, 

Equitable Gas & Fuel Company, 

Lehigh Valley Terminal, 

Lehigh & Hudson River, 

Philadelphia & Reading, 

Pittsburgh & Western, 

Tennessee Coal & Iron, 

Wabash, . 

Western Union Telegraph, 

Wells, Fargo & Co. Express stock, 

Chicago, Milwaukee & St. Paul Railroad, 

Tennessee Coal & Iron stock, . 

Toledo & Ohio Central stock, . 

United States Express Company, 

Western Union Telegraph stock, 

Fort Worth & Denver City, 

Atchison notes, . . . . 

Oregon Railway Trust, 
Illinois Central certificates, 
Northern Pacific, .... 

Oregon Short Line, .... 

South Carolina & Georgia, 
Great Northern Railroad stock, 
State of California, .... 

Pennsylvania Car Trust certificates, 
Manitoba, ...... 

Chicago, Burlington & Quincy, 
Northern Pacific, .... 

South Carolina & Georgia, 

Oregon Short Line, . 

New Jersey Central, 

Funded Debt Virginia, 

Edison Electric & Illuminating Co. stock, 

Great Northern Railroad stock, 



Market Value. 

$243,000 00 ) 
36,600 00 S 
123,750 00 
10,080 00 
200,000 00 
1,100,000 00 
44,500 00 ^ 
20,000 00 | 
56,000 00 j> 
70,100 00 | 
68,850 00 j 
17,500 00 
18,200 00^ 
10,625 00 
24,125 00 
10,213 00 
9,800 00 
27,313 00 
10,000 00 
7,500 00 
17,150 00 
17,160 00 j> 
20,900 00 
11,000 00 
54,000 00 
17,100 00 
14,000 00 
24,000 00 
36,550 00 
17,625 00 
9,555 00 J 
384,000 00^ 
. 70,000 00 
450,000 00 
46,000 00 f- 
22,800 00 
60,800 00 
173,400 00 J 
330,000 00 ^ 
400,000 00 
160,650 00 
119,480 00 
109,250 00 
163,400 00 }> 
140,800 00 
56,250 00 
60,000 00 
111,100 00 
163,200 00 J 



Amount Loaned. 

$200,000 00 

100,000 00 

8,500 00 

100,000 00 

550,000 00 



250,000 00 



5,000 00 



275,000 00 



1,000,000 00 



1,500,000 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 73 



Chicago & Alton Railroad, 

Morris & Essex Railroad, 

Louisville & Nashville Railroad, 

United New Jersey Canal stock, 

Nashville, Chattanooga & St. Louis Railroad, 

Erie, 

Boonville Bridge & Railroad Company, 
Milwaukee, Lake Shore & Western, 
Chicago, Burlington & Quincy stock, 
Southern & Northern Alabama, 
Jeffersonville, Madison & Indianapolis, 
Louisville & Nashville, 
Norfolk & Western, . 
Nashville, Chattanooga & St. Louis, 
St. Paul & Northern Pacific, 
United States, .... 
Grand River Coal & Coke Company, 
Colorado Midland, . 
Evansville & Terre Haute Railroad, 
Peoria, Decatur & Evansville, . 
Louisville, Evansville & St. Louis, 
Ohio Valley, .... 



Schedule B. 



Market Value. Amount Loaned. 

$18,335 00^1 

32,481 00 

81,000 00 

11,000 00 

6,650 00 

44,540 00 

52,800 00 

K S > ™»» 00 

54,000 00 

16,500 00 

76,000 00 

20,400 00 

15,075 00 

27,600 00 

113,500 00 J 

48,000 00 3 

2,000 00 \ 

36,387 00 ^ 



35,000 00 



2,160 00 ' 



8,430 00 ( 
3,200 00 j 



}> 40,000 00 



$7,401,456 00 $5,663,500 00 



Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

Atlantic Avenue bonds, $159,562 00 $163,500 00 

Brooklyn City & Newtown R.R. bonds, . . 375,000 00 412,500 00 

Central of New Jersey bonds, .... 101,343 00 101,250 00 

St. Paul Railroad bonds, 3,783,758 00 3,954,405 00 

Northwest Railroad bonds, .... 6,784,56900 7,211,09000 

Rock Island Railroad bonds, . . . . 1,697,17100 1,639,106 00 

Omaha bonds 911,261 00 1,017,805 00 

Chicago & Western Indiana bonds, . . . 267,667 00 283,200 00 

Chicago & Eastern Illinois bonds, . . . 23,150 00 23,250 00 

Canada Southern Railroad, .... 403,113 00 416,186 00 

Chicago, Burlington & Quincy Railroad, . 6,651,910 00 6,773,585 00 

Cleveland, Cincinnati, Chic. & St. Louis R.R., 1,262,500 00 1,256,250 00 

Cleveland, Col., Cin. & Indianapolis R.R., . 962,714 00 996,675 00 

Indianapolis & St. Louis Railroad, . . . 171,625 00 180,000 00 

Cin., Indianapolis, St. Louis & Chicago R.R., . 487,500 00 470,000 00 

Central Park, North & East River R.R. bonds, 103,959 00 107,100 00 

Chesapeake & Ohio Railroad, .... 2,184,807 37 2,224,416 00 

Morris & Essex Railroad, .... 1,973,84300 2,116,21500 

New York, Lackawanna & Western Railroad, 2,143,784 00 2,193,725 00 

Albany & Susquehanna Railway, ... . 1,157,500 00 1,190,000 00 

New York, Lake Erie & Western Railroad, . 2,040,259 00 1,862,830 00 



74 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Erie Railroad bonds, .... 

Flint & Pere Marquette Railroad, . 

Great Northern Railroad, 

Cedar Falls & Minnesota Railroad, . 

Chicago, St. Louis & New Orleans Railroad, 

Kentucky Central Railroad, 

Pittsburgh & Lake Erie Railroad, . 

Lake Shore & Michigan Southern Railroad, 

Lehigh Valley Terminal Railroad, . 

Louisville, New Albany & Chicago Railroad, 

Memphis & Ohio Railroad, 

Manhattan Elevated Railroad, . 

Metropolitan Elevated Railroad, 

Missouri Pacific Railroad bonds, 

Pacific of Missouri bonds, 

International & Great Northern Railroad, 

Minneapolis & St. Louis Railroad, . 

Missouri, Kansas & Texas Railroad, 

Milwaukee, Lake Shore & Western Railroad 

Jackson, Lansing & Saginaw Railroad, . 

New York Central Debenture, 

West Shore Railroad, .... 

Pine Creek Railroad, .... 

Watertown & Rome Railroad, . 

New York Elevated Railroad, . 

New York, Ontario & Western Railroad, 

Northern Pacific Railroad, 

James River Valley Railroad, . 

Northern Pacific receiver's certificates, . 

Oregon Railway & Navigation Co. bonds, 

Ohio & Mississippi Railroad, . 

Pennsylvania bonds, 

Pittsburgh, Cin., Chic. & St. Louis Railroad, 
Pittsburgh, Cincinnati & St. Louis Railroad, 
Allegheny Valley Railroad, 
Peoria & Pekin Union Railroad, 
Pittsburgh & Western Railroad, 
Pitts., McKeesport & Youghiogheny Railroad 
Philadelphia & Reading sinking fund, 
Rochester & Brighton Railroad, 
Rochester & Pittsburgh Railroad, . 
St. Louis & Iron Mountain Railroad, 
St. Louis Terminal bonds, 
Second Avenue debenture, 

South Ferry bonds, 

St. Paul, Minnesota & Manitoba Railroad, 

Wilmar & Sioux Falls Railroad, 

Texas Pacific Railroad, .... 



Book Value. 

$522,958 00 

119,150 00 

553,237 00 

149,912 00 

490,000 00 

355,825 00 

1,064,500 00 

1,126,339 00 

1,080,000 00 

104,454 00 

28,562 00 

487,048 00 

455,561 00 

712,892 00 

219,698 00 

440,240 00 

100,224 00 

593,894 00 

63,668 00 

196,650 00 

108,995 00 

1,000,000 00 

253,612 00 

438,585 00 

503,515 00 

518,250 00 

707,787 00 

84,092 00 

985,750 00 

313,389 00 

379,787 00 

1,019,940 00 

1,005,000 00 

128,445 00 

133,229 00 

267,031 00 

576,694 00 

951,250 00 

487,500 00 

199,940 00 

118,000 00 

2,760,705 00 

384,000 00 

128,437 00 

155,000 00 

1,547,016 00 

495,000 00 

307,602 00 



Market Value. 

|539,430 00 

113,175 00 

552,000 00 

155,100 00 

495,000 00 

363,350 00 

1,120,000 00 

1,142,335 00 

1,092,500 00 

96,500 00 

28,563 00 

529,805 00 

461,086 00 

660,000 00 

228,183 00 

474,000 00 

119,500 00 

637,560 00 

67,860 00 

196,650 00 

108,250 00 

1,062,500 00 

267,500 00 

492,886 00 

522,875 00 

553,500 00 

714,880 00 

40,500 00 

985,750 00 

210,000 00 

387,855 00 

1,110,000 00 

1,057,500 00 

129,950 00 

135,200 00 

271,080 00 

602,955 00 

977,500 00 

492,500 00 

200,000 00 

118,000 00 

2,668,583 00 

416,000 00 

130,000 00 

162,000 00 

1,644,370 00 

500,000 00 

303,625 00 



THE EQUITABLE LIFE ASSUEANCE SOCIETY OF THE U. S. 75 



St. Louis, Kan. City & Northern R. E. bonds, 

Wheeling & Lake Erie Railroad, 

Michigan Central Railroad, 

Quebec city bonds, . 

Toronto debentures, . 

Montreal debentures, 

Elizabeth city bonds, 

Louisville city bonds, 

Kearney city bonds, . 

Newark city bonds, . 

Buffalo city bonds, . 

Lawrence city bonds, 

Russian government bonds, 

Nobles State Land Bank, . 

Southwestern Railway bonds, 

Rezan Ural Railway bonds, 

Kursk Kieff Railway bonds, 

Orenberg Railway bonds, 

Kieff Voronesh bonds, 

South Eastern Railway bonds, 

Prussian government bonds, 

Italian government rentes, 

German bonds, . 

Swedish government bonds, 

Swiss government bonds, 

Wurtemberg bonds, . 

Cape of Good Hope government bonds, 

Transvaal bonds, 

Brazilian government bonds, 

South Australian government bonds, 

Hungarian government bonds, 

Servian government bonds, 

United States government bonds, 

Western Union Telegraph bonds, 

Virginia State bonds, 

Laclede gas bonds, . 

Standard gas bonds, 

Equitable gas bonds, 

Baltimore gas bonds, 

Western Transit Company bonds, 

Pennsylvania Railroad stock, . 

Mercantile Trust Company stock, 

Clev., Cin., Chic. & St. Louis Railroad stock, 

Chic, Rock Island & Pacific Railroad stock, 

Missouri Pacific Railroad stock, 

Chic, St. Paul, Minn. & Omaha Railroad, 

Michigan Central Railroad stock, . 

Chicago & Northwestern Railroad stock, 



Book Value. 

$124,300 00 

110,833 00 

549,405 00 

97,271 00 

286,890 00 

673,953 00 

365,050 00 

286,500 00 

10,000 00 

267,500 00 

100,500 00 

269,375 00 

315,316 00 

12,649 00 

110,970 00 

202,733 00 

64,977 00 

20,324 00 

98,060 00 

12,832 00 

426,976 00 

452,059 00 

439,611 00 

93,886 00 

19,231 00 

109,748 00 

51,847 00 

48,747 00 

111,884 00 

38,883 00 

100,325 00 

22,689 00 

968,800 00 

2,290,315 00 

11,371 00 

419,187 00 

380,000 00 

187,502 00 

102,432 00 

310,500 00 

488,348 00 

2,078,880 00 

1,492,481 00 

1,467,667 00 

602,063 00 

199,202 00 

973,231 00 

338,248 00 



Market Value. 

$118,226 00 

114,000 00 

558,000 00 

102,092 00 

303,680 00 

685,013 00 

364,050 00 

304,500 00 

10,000 00 

302,500 00 

100,500 00 

269,375 00 

362,348 00 

12,759 00 

114,400 00 

209,034 00 

67,036 00 

20,783 00 

100,945 00 

12,990 00 

471,785 00 

451,439 00 

481,277 00 

95,528 00 

19,808 00 

108,500 00 

55,461 00 

53,350 00 

95,428 00 

40,322 00 

106,562 00 

24,160 00 

904,550 00 

2,394,130 00 

10,260 00 

461,250 00 

400,000 00 

199,360 00 

107,000 00 

317,250 00 

465,120 00 

4,547,550 00 

1,338,250 00 

1,060,375 00 

283,500 00 

155,750 00 

935,750 00 

308,838 00 



76 



THE GERMANIA LIFE INSURANCE COMPANY. 



Illinois Central Railroad stock, 
St. Paul, Minn. & Manitoba Railroad stock, 
Chic, Milwaukee & St. Paul Railroad stock, 
Chicago, Burl. & Quincy Railroad stock, 
Baltimore & Ohio Railroad stock, . . 
Rome, Watertown & Ogdensburg R.R. stock 
Delaware & Hudson Canal Railroad stock, 
Bank of America stock, . 
Western National Bank stock, . 
Consolidated Gas stock, . . . . 
Western Union Telegraph stock, 
Delaware, Lackawanna & West. R.R. stock, 
Lake Shore & Michigan Southern R.R. stock, 
Manhattan Railroad stock, 
Chicago & Alton Railroad stock, 
Westinghouse Electric & Manufacturing Co. 
Commercial Trust Company stock, . 
Chicago & Northwestern stock, 



Book Value. 

£1,034,581 00 

392,727 00 

2,189,745 00 

1,439,732 00 

774,197 00 

1,119,129 00 

2,178,760 00 

20,658 00 

958,367 00 

803,973 00 

1,920,515 00 

42,514 00 

1,605,152 00 

1,272,895 00 

184,251 00 

247,423 00 

251,000 00 

144,845 00 



Market Value. 

$837,038 00 

388,500 00 

1,949,500 00 

1,134,577 00 

549,000 00 

1,214,200 00 

2,137,850 00 

21,000 00 

936,163 00 

854,750 00 

1,982,813 00 

48,300 00 

1,746,250 00 

1,123,500 00 

200,559 00 

247,500 00 

251,000 00 

143,750 00 



,256,373 37 $95,722,478 00 



"THE GERMANIA LIFE INSURANCE COMPANY," OF NEW 

YORK. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 
Paid-up Capital, $200,000. 

Hugo Wesendonck, President. Hubert Cillis, Secretary. 



Income. 
Cash received for premiums on new policies, . 
Cash received for renewal premiums, . . . 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to purchase paid-up insurance and 
annuities, ...... 

Received for annuities, .... 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profit on securities sold, 

Policy fees, . . . . 



Total income, 
Net or ledger assets Dec. 31, 1893, 

Total, . 



$399,771 32 

2,265,626 84 

78,920 01 

31,795 50 

198,333 68 
20,407 20 



1,994,854 55 
5,421 40 



!,989,433 15 

787,076 79 

1,136 62 

128,873 47 

1,628 75 

1,£36 18 



$3,910,084 96 
18,156,503 98 



$22,066,588 94 



THE GERMANIA LIFE INSURANCE COMPANY. 



77 



DlSBUESEMENTS. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, ...... 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissionsto agents, new policies, $226,320.46 

renewals, $142,460.93, 

for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, ..... 
for taxes on reserves, $364.74; on investments 

$17,271.66, .... 
for fees, licenses, etc., 
for rent, . . 
for commuting commissions, . 
for furniture and office fixtures, 
for advertising and printing, . 
for real estate expenses, . 
for legal expenses and incidentals, 

Total disbursements, .... 



Balance, 



,061,547 22 
330,306 61 

^,391,853 83 

23,597 08 

5,474 80 

78,920 01 

31,795 50 
147,029 12 

198,333 68 



,877,004 02 

24,000 00 

368,781 39 

122,826 15 

29,713 23 

84,011 46 

16,745 46 

17,636 40 

3,727 57 

17,880 00 

1,295 06 

3,076 80 

21,693 26 

45,631 51 

43,732 17 



5,677,754 48 



$19,388,834 46 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, 

deposited in bank, 

in transit (since received), 
Insurance scrip, . . . . . 

Ledger assets (as per balance), 



$2,024,724 18 

10,739,974 20 

840,854 85 

5,401,262 73 

5,000 79 

263,908 26 

112,069 45 

1,040 00 



$19,388,834 46 



78 THE GERMANIA LIFE INSURANCE COMPANY. 



Other Assets. 

Interest due and accrued, $166,184 14 

Rents due and accrued, : 8,750 00 

Market value of real estate, over cost, 52,444 49 

Market value of stocks and bonds, over cost, . . . . 7,317 99 

New Business. Renewals. 

Uncollected premiums on policies 

in force, $39,541 90 $149,039 63 

Deferred premiums on policies in 

force, 40,573 35 288,537 91 



Total, $80,115 25 $437,577 54 

Deduct loading (20 per cent.), . 16,023 05 87,515 51 

Net amount of uncollected and de- 
ferred premiums, . . ■ . $64,092 20 $350,062 03 



414,154 23 



Total assets, per company's books, .... $20,037,685 31 

Items not admitted. 
Deduct special deposits in other States, 1,869,403 22 



Balance, $18,168,282 09 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries , 4 per cent.), . . . $18,323,540 00 
Deduct net value of reinsured risks, 21,187 00 



$18,302,353 00 
$625 26 



proc- 



7,171 25 

103,118 97 

46,211 07 

1,190 69 



158,317 24 



Net reinsurance reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

ess of adjustment, .... 
Claims resisted by the company, 
Due and unpaid on annuity, claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, . . . 23,687 70 

Premiums paid in advance, . 2,232 80 

Extra reserve for lapsed, war and other policies, . . . 76,940 51 

Liabilities as to policy-holders, . . . . . $18,563,531 25 
Deduct liabilities on special deposits, . . . . . 1,862,751 22 

$16,700,780 03 
Surplus as regards policy-holders, . . . $1,467,502 06 

Paid-up capital, 200,000 00 

Surplus over capital, .... ... 1,267,502 06 

Gross liabilities, ... ... $18,168,282 09 



THE GERMANIA LIFE INSURANCE COMPANY. 



79 



Exhibit of Policies. 





Policies and Additions in Force Dec. 31, 18 9 h 


i 






Number. Amount. Total Number. Total Amount. 


Whole life, 


. 


. 14,732 $29,690,012 00 






Endowment, 


. 


. 23,966 37,495,119 00 






All other, . 


. 


227 645,643 00 






Reversionary 


additions, 


764,608 00 


38,925 


$68,595,382 00 








Policies issued during the Tear. 




Whole life, 


. 


. 2,480 $5,904,637 00 






Endowment, 


. 


. 3,776 5,028,059 00 






All other, . 




15 59,322 00 


6,271 


10,992,018 00 






Old Policies revived. 


Whole life, 


. . 


9 $34,500 00 




» 


Endowment, 


• 


18 17,397 00 


27 


51,897 00 










Old Policies increased. 






Whole life, 


. 


13 $27,214 00 






Endowment, 


dividends, 


184 188,198 00 


197 


215,412 00 
45,665 00 


Additions by 


. 


Total, 


45,420 


$79,900,374 00 




Policies terminated during the Year. 




Whole life, 


. 


. 2,453 $5,971,126 00 






Endowment, 


. 


. 2,909 4,772,439 00 






All other, . 


. 


45 193,939 00 











5,407 


110,937,504 00 








How terminated. 




By death, . 


. 


555 


$1,051,996 00 




maturity, 


. 


287 


321,209 00 




expiry, . 


• 


33 


28,227 00 




surrender, . 


. 


871 


1,707,980 00 




lapse, . 


. 


2,352 


4,570,600 00 




change and decrease, . 


224 


714,676 00 




Not taken, . 


• 


1,085 


2,542,816 00 

*> 407 


10,937,504 00 










Policies in Force Dec. 31, 1894. 




Whole life, 


. 


14,781 


$29,685,237 00 




Endowment, 


. 


25,035 


37,956,334 00 




All other, . 


. 


197 


561,886 00 




Reversionary additions, . 


- 


759,413 00 










40 01 °i 


$68,962,870 00 








Industrial policies in 


force. 


• 


. 6,034 


$734,675 00 



80 



THE GERMANIA LIFE INSURANCE COMPANY. 



Schedule A. 
Stocks and Bonds owned by the Company. 



42d St.,Mn. & St. Nich. Av. H. R.R , N.Y., stock, 

Virginia funded debt, century coupon bonds, 

City of Denver, Col., warrants, 

City of Lexington, Ky., bonds, . 

Newark, N. J., city bonds, 

Dominion of Canada debentures, 

Montreal harbor bonds, 

Austrian government bonds, 

Hungarian government bonds, 

Bavarian government bonds, . 

Swiss government bonds, . 

Wurtemberg government bonds, 

Prussian government bonds, 

Atchison, Topeka & Santa Fe R.R. bonds 

Chicago & St. Louis bonds, 

Atlantic Ave. Railroad bonds, . 

Improvement mortgage guarantee bonds 

Baltimore & Ohio Railroad bonds, . 

Central Ohio Railroad bonds, . 

Pittsburgh & Connellsville bonds, . 

Brooklyn Elevated Railroad Company bonds, 

Cen. Park, No. & East River City R.R. bonds, 

Elizabethtown, Lexington & Big Sandy bonds, 

Chicago & Alton Railroad bonds, 

Louisiana & Missouri River bonds, . 

Hannibal & St. Joseph Railroad bonds, . 

Lincoln & Northwestern bonds, 

Nebraska Railway bonds, 

Chicago, Milwaukee & St. Paul R 7 y bonds, 

St. Paul & Chicago bonds, 

Chicago & Northwestern Railway bonds, 

Chicago, Rock Island & Pacific R'y bonds, 

Chicago & Southwestern Railroad bonds, 

Chicago, St. Louis & Pittsburgh R.R. bonds, 

Chicago, St. Paul, Minn. & Omaha R.R. bonds 

North Wisconsin bonds, .... 

St. Paul & Sioux City bonds, . 

Clevel'd, Cin , Chicago & St. Louis R'y bonds 

Cincinnati, Lafayette & Chicago bonds, . 

Cincinnati, Sandusky & Cleveland bonds, 

Columbus, Hocking V'y & Toledo R.R. bonds 

Dayton & Michigan Railroad bonds, 

Delaware & Hudson Canal Co. bonds, 

Flint & Pere Marquette Railroad bonds, . 

Galveston, Har. & San Antonio R.R. bonds, 



Cost Value. 

$17,075 00 
2,860 00 
46,125 00 
49,450 00 
52,625 00 
25,000 00 

237,127 91 
46,987 97 
10,392 60 
19,358 69 
61,885 01 

857,151 95 
25,673 60 
23,500 00 
26,187 50 
46,500 00 
50,750 00 
25,562 50 
29,375 00 
52,375 00 
48,605 00 
42,600 00 
18,018 75 
30,310 00 
17,531 25 
13,275 00 
17,737 50 
89,387 50 
50,050 00 

375,003 75 
52,875 00 
20,740 00 
59,780 00 
69,722 50 
54,490 00 

122,000 00 
90,000 00 
30,562 50 
43,050 00 
10,890 00 
20,900 00 
44,187 50 
58,625 00 
46,500 00 



Market Value. 

$2,800 00 
19,200 00 
2,940 00 
51,250 00 
47,470 00 
54,500 00 
21,000 00 

243,962 88 
50,888 16 
10,850 80 
19,135 20 
61,582 50 

912,458 68 
19,530 00 
23,000 00 
26,750 00 
46,500 00 
56,375 00 
25,875 00 
27,000 00 
43,000 00 
46,000 00 
39,750 00 
17,325 00 
28,932 50 
18,075 00 
12,500 00 
15,450 00 
90,000 00 
50,800 00 

406,220 00 
52,250 00 
18,700 00 
54,720 00 
75,060 00 
58,950 00 

129,000 00 
90,000 00 
29,250 00 
45,570 00 
10,530 00 
21,400 00 
50,575 00 
56,500 00 
39,400 00 



HOME LIFE INSURANCE COMPANY. 



81 



Kentucky Union Railway bonds, 
Kings County Elevated Railway bonds, . 
Lake Shore & Mich. Southern Railway bonds 
Long Island Railroad bonds, . 
Michigan Central Railroad bonds, . 
Milwaukee, Lake Shore & Western R.R. bonds 
Minneapolis & St. Louis Railway bonds, . 
Minneapolis Street Railway bonds, . 
Missouri Pacific Railway bonds, 
St. Louis, Iron Mountain & Southern bonds, 
New York Cen. & Hudson River R R. bonds, 
New York, Lake Erie & Western R'y bonds, . 
Norfolk & Western Railroad bonds, 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Rio Grande Western Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Paul, Minneapolis & Manitoba R'y bonds, . 
Savannah, Florida & Western Railway bonds, 
Second Avenue Railroad Co. of N. Y. bonds, . 
Sioux City & Northern Railroad bonds, . 
East Tenn., Va. & Ga. sinking fund bonds, 
Syracuse Consol. Street Railway Co. bonds, . 
Torre Haute & Indianapolis Railroad bonds, . 
Texas & Pacific Railroad bonds, . . , 
Third Avenue R.R. Co. of New York bonds, , 
Ulster & Delaware Railroad Co bonds, . . 
Wabash Railroad Company bonds, . 



Cost Value. 

$47,875 00 

50,000 00 

59,637 50 

92,885 00 

124,196 25 

49,750 00 

56,910 00 

47,625 00 

37,200 00 

50,750 00 

193,887 50 

271,612 50 

47,500 00 

150,312 50 

125,700 00 

112,250 00 

32,250 00 

215,450 00 

53,812 50 

26,125 00 

46,000 00 

36,225 00 

94,900 00 

20,200 00 

45,875 00 

26,875 00 

49,875 00 

102,750 00 



Market Value. 

$27,500 00 

33,750 00 

61,750 00 

93,820 00 

122,190 00 

56,750 00 

57,540 00 

47,500 00 

32,550 00 

51,000 00 

187,200 00 

279,030 00 

45,000 00 

139,500 00 

124,600 00 

105,375 00 

17,400 00 

231,900 00 

53,500 00 

27,000 00 

46,000 00 

34,800 00 

55,000 00 

22,400 00 

43,375 00 

30,125 00 

51,250 00 

104,750 00 



|5,401,262 73 $5,408,580 72 



44 HOME LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 
Paib-up Capital, $125,000. 



GEORGE E. IDE, President. 



ELLIS W. GLADWIN", Secretary. 



Income. 



Cash received for premiums on new policies, . . . . $212,890 83 
Cash received for renewal premiums, ..... 937,279 80 
Premium notes received for new policies, . ' . . . 21,998 01 
Premium notes received for renewals, ..... 105,163 84 
Dividends applied to pay running premiums, . . 51,971 05 
Dividends applied to purchase paid-up additions and an- 
nuities, , 84,455 65 



82 



HOME LIFE INSURANCE COMPANY. 



Surrender values applied to purchase paid-up insurance and 

annuities, 

.Received for annuities, .... 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 

JLotai, i t i ■ t • 



$71,413 00 
11,500 00 

$1,496,672 18 
2,083 80 

$1,494,588 38 

351,170 82 

589 28 

35,140 19 

$1,881,488 67 
7,954,727 74 

$9,836,216 41 



Disbursements. 

Cash paid for losses and additions, $520,576 50 

Premium notes or loans used in payment of same, . . . 20,473 60 

Cash paid for matured endowments and additions, . . 89,529 60 

Premium notes or loans used in payment of same, . . . 3,911 75 

Cash paid on matured instalment policies, .... 500 00 

Gross amount paid for losses and endowments, . . $634,991 45 

Cash paid to annuitants, ........ 6,236 98 

Premium notes or loans used in purchase of surrendered 

policies, . . . 31,893 42 

Premium notes or loans used in payment of dividends to 

policy-holders, 51,291 67 

Cash dividends paid policy-holders, ..... 4,155 08 
applied to pay running premiums, . . . 51,971 05 
applied to purchase paid-up additions and an- 
nuities, . 84,455 65 

Surrender values paid in cash, . . . . . . . 79,778 79 

Surrender values applied to purchase paid-up insurance and 

annuities, . 71,413 00 

Total paid policy-holders, ....... $1,016,187 09 

Cash paid for dividends to stockholders, 15,000 00 

for commissions to agents, new policies, $145,842.72 ; 

renewals, $83,415.13, ...... 229,287 85 

for salaries and allowances to managers and 

agents, 86,138 76 

for medical examiner's fees and inspections, . . 22,407 50 

for salaries of officers and home office employees, 79,910 67 

for taxes on premiums, 11,803 73 

for taxes on reserves, $682.38 ; on investments, 

$6,644.96, 7,327 34 

for fees, licenses, etc., ...... 5,055 21 



HOME LIFE INSURANCE COMPANY. 



83 



Cash paid for rent, ..... 
for furniture and office fixtures, 
for advertising and printing, . 
for real estate expenses, . 
for legal expenses, . 
for incidentals, .... 

Total disbursements, .... 

Balance, ...... 

Invested in the following: : — 



$19,489 67 

4,218 44 

19,357 25 

15,360 59 

8,289 00 

58,773 92 

. $1,598,607 02 

. $8,237,609 39 



Assets as per Ledger Accounts 



Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents" 1 ledger balances, 

Commuted commissions, 

Ledger assets (as per balance), 



51,602,134 54 

2,318,150 00 

38,900 00 

255,703 37 

501,601 25 

3,184,049 01 

1,979 47 

190,884 11 

37,814 23 

73,449 99 

32,943 42 

18,237,609 39 



Other Assets. 

Interest due and accrued, ..... 

Rents due and accrued, ....... 

Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, . 
Reinsurance due from other companies, . 

New Business. 

Uncollected premiums on policies 

in force, $59,093 16 

Deferred premiums on policies in 

force, 23,696 84 



Total, ..... $82,790 00 
Deduct loading (20 per cent.), . 16,558 00 



Net amount of uncollected and 

deferred premiums, . ., . f 66,232 00 



Renewals. 

$95,492 19 

52,990 69 

|148,482 88 
29,696 58 

$118,786 30 



78,696 04 

3,871 15 

95,516 68 

115,710 99 

12,500 00 



185,018 30 



Total assets, per company's books, . 



. $8,728,922 55 



84 



HOME LIFE INSURANCE COMPANY. 



Items not admitted. 



Commuted commissions, . 

Agents' balances, .... 

Bills receivable, .... 

Total, ...... 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, ..... 



132,943 42 
73,449 99 
37,814 23 



$144,207 64 

8,584,714 91 
11,325 00 

8,573,389 91 



,214 00 

40,000 00 
6,811 00 



Liabilities. 

Computed premium reserve or net~present value of all out- 
standing policies (actuaries 1 4 per cent.), .... $7,303,560 00 
Deduct net value of re-insured risks, . „ . . 2,761 00 

Net reinsurance reserve, ....... $7,300,799 00 

Death losses and matured endowments in proc- 
ess of adjustment, ...... 

Claims resisted by the company, 
Present value of unpaid instalments, 

Total policy claims, 83,025 00 

Unpaid dividends of surplus due policy-holders, . . . 8,190 86 

Premiums paid in advance, 3,368 80 

Liabilities as to policy-holders, ...... $7,395,383 66 

Deduct liabilities on special deposits, ..... 1,008 00 

|7,394,375 66 
Surplus as regards policy-holders, . . . $1,179,014 25 
Paid-up capital, ......... 125,000 00 

Surplus over capital, . . , . . ' . . . 1,054,014 25 

Gross liabilities, ........ $8,573,389 91 



Pkemium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $551,364 02 

Premium notes received during 1894, . . 127,161 85 

Total . . . . . . . . $678,525 87 

Used in payment of losses and claims, . . $24,385 35 
Used in payment of surrendered policies, . 31,893 42 
Used in payment of dividends to policy- 
holders, . * 51,291 67 

Redeemed by maker in cash, . 69,354 18 

Total, .., = .... 176,924 62 

Balance note assets Dec. 31, 1894, ..... $501,601 25 






HOME LIFE INSURANCE COMPANY. 



85 



Exhibit of Policies. 



Whole life, 
Endowment, 
All other, . 


Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total Number. Total Amount. 

. 15,592 $30,335,823 00 

. 3,104 5,989,907 00 

. 1,021 2,894,600 00 

10 717 $H Q 0Qn QQn AA 


Whole life, 
Endowment, 
All other, . 


Policies issued during the Year. 

. 3,545 $6,382,442 00 
329 708,827 00 
966 2,668,800 00 


x,,*^v^jvv vv 



4,840 9,760,069 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

135 $250,147 00 

47,500 00 



24 
24 



88,500 00 



386,147 00 



Old Policies increased. 

$9,510 00 
5,000 00 
5,( 



Additions by dividends, 

-LOttli, . C 9 



Whole life, 
Endowment, 
All other, . 



19,510 00 
122,124 00 

24,740 $49,508,180 00 



terminated during the Year. 

3,652 $7,634,472 00 
524 1,118,272 00 
1,947,700 00 







4,796 


$10,700,444 00 






How terminated. 


By death, . 


« i a 


243 


$548,405 00 


maturity, 


• « 


63 


93,441 00 


surrender, 


, . 


971 


2,238,255 00 


lapse, . 


. 


2,281 


4,840,650 00 


change an 


cl decrease, 


5 


251,514 00 


Not taken, . 


. 


1,233 


2,728,180 00 

A 70fi 




1|« <Ll\J 

Policies in Force Dec. 31, 1894. 


Whole life, 


, . 


. 15,620 


$29,343,580 00 


Endowment, 


. 


. 2,933 


5,754,955 00 


All other, . 


. 


. 1,391 


3,709,200 00 






— , 


. 19,944 



10,700,445 



,807,735 00 



SQ 



HOME LIFE INSURANCE COMPANY. 



Schedule A. 



Union Trust Company stock, . 
American Exchange National Bank stock, 
Municipal Electric Light Company stock 
Title Guarantee & Trust Company stock 
Washington Trust Company stock, . 
Standard Oil Trust Company stock, 
Nassau Fire Insurance Company stock, 
Brooklyn Bank stock, . 
Western Union Telegraph Co., 
American Soda Fountain Company, 
United New Jersey R'y and Canal Company, 



Securities held as Collateral. 

Market Value. Loaned Thereon. 

$32,500 00 $14,000 00 

6,750 00 4,400 00 



5,100 00 ^ 



3,400 00 



1,850 00 
4,500 00 j 
1,600 00 
11,780 00 
8,500 00 
1,000 00 
6,399 00 



}> 11,000 00 



4,000 00 



3,500 00 
2,000 00 



Schedule B. 

Stocks and Bonds owned by the 



United States bonds, ..... 
Erie Railroad bonds, .... 

New York, Chicago & St. Louis R.R. bonds, 
New York, Lack. & Western R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Morris & Essex Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Oswego & Syracuse Railroad bonds, 
Fidelity Loan & Trust Company bonds, . 
Jefferson Railroad bonds, 
Delaware & Hudson Railroad bonds, 
Monmouth County, N. J., school bonds, . 
Michigan Central Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
Louisiana & Missouri River Railroad bonds, 
New York Central & Hudson Riv. R.R. bonds 
Buffalo & Erie Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Nashville & Decatur Railroad bonds, 
New York & Harlem Railroad bonds, 
Kalamazoo & White Pigeon Railroad bonds, 
Norfolk & Southern Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Detroit, Monroe & Toledo Railroad bonds, 
Brooklyn City Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Long Island Railroad bonds, . 



$83,379 00 $38,900 00 



Company. 

Cost Value. 

$445,368 26 
60,061 26 

197,689 74 
97,500 00 

241,925 00 

267,967 50 

281,400 00 
38,950 00 
50,000 00 

102,500 00 
79,091 25 
23,605 00 
49,725 00 
90,149 14 

143,150 00 
33,720 83 

105,750 00 
45,320 00 

109,170 00 
11,441 67 
56,750 00 
5,900 00 
9,787 50 
53,500 00 
30,825 50 
12,325 00 
22,207 50 
26,693 00 
17,500 00 



Market Value. 

$453,000 00 

39,800 00 

205,000 00 

116,000 00 

253,700 00 

278,000 00 

284,000 00 

38,950 00 

45,000 00 

100,000 00 

79,200 00 

22,990 00 

49,000 00 

92,530 00 

144,780 00 

33,640 00 

108,000 00 

44,000 00 

118,000 00 

11,200 00 

56,000 00 

5,900 00 

9,450 00 

57,750 00 

31,500 00 

12,500 00 

23,940 00 

27,280 00 

19,200 00 



THE KANSAS MUTUAL LIFE ASSOCIATION. 



87 



Gravesend Street Improvement bonds, 

Flatbush sewer bonds, 

Newark sewer bonds, 

Central Trust Company stock, . 

American Exchange National Bank stock 

National Bank of Commerce stock, . 

Michigan Central Railroad bonds, . 

West Duluth Improvement bonds, . 

Edison Electric Illuminating Company bonds 

Lehigh Valley Terminal bonds, 

Chicago & Eastern Illinois bonds, . 

Union Ferry Company bonds, . 

City of Lake Side, Minn., imp. bonds, 

Lincoln, Neb., Street Railway bonds, 



Cost Value. 

$7,698 00 
50,000 00 
50,000 00 
29,500 00 
22,512 25 
84,085 75 
24,200 00 
4,000 00 
50,000 00 
54,562 50 
50,517 36 
25,000 00 
16,000 00 
56,000 00 



Market Value. 

$7,600 00 
50,000 00 
50,000 00 
100,000 00 
24,300 00 
35,000 00 
24,000 00 
4,000 00 
55,000 00 
54,500 00 
48,500 00 
25,750 00 
16,000 00 
44,800 00 



$3,184,049 01 $3,299,760 00 



"THE KANSAS MUTUAL LIFE ASSOCIATION," TOPEKA, 

KANSAS. 



[Incorporated Jan. 16, 1882. Commenced business January, 1882.] 



J. P. Davis, President. 



John E. Moon, Secretary' 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 



Total, ...... 

Cash received for interest, 
From all other sources, 

Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



Total, 



$26,680 21 

126,340 33 

11,269 19 

2,851 60 

9,285 06 

1,205 94 



$177,632 33 

11,803 12 

101 12 



$189,536 57 
194,706 69 



$384,243 26 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans voided by lapse, 
Cash dividends applied to pay running premiums, 
Surrender values paid in cash, .... 

Surrender values applied to pay running premiums, 

Total paid policy-holders, . , • , 



$76,000 00 
837 28 

9,285 06 
300 00 

1,205 94 



,628 28 



8$ 



THE KANSAS MUTUAL LIFE ASSOCIATION. 



Cash paid for commissions to agents, new policies, $11,316.85 ; 
renewals, $3,037.80, ...... 

for salaries and allowances to managers and agents, 

for medical examiner's fees, ..... 

for salaries of officers and home office employees, 

for taxes on new premiums, $210.00 ; on invest- 
ments, $1,406.55, . 

for fees, licenses, etc., 

for rent, ...... 

for commuting commissions, . 

for furniture and office fixtures, 

for advertising and printing, . 

for legal expenses, . 

for incidentals, 
Profit and loss, ...... 

Total disbursements, .... 

Balance, ...... 

Invested in the following: — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), 
Premium notes or loans on policies in force, . 
Par value of stocks and bonds owned (schedule B), 
Cash in company's office, ....... 

Cash deposited in bank, ....... 

Bills receivable, ........ 

Agents' ledger balances, ....... 

Ledger assets (as per balance), .... 

Other Assets. 
Interest due and accrued, ....... 

Market value of stocks and bonds, over par, „ 



$14,354 65 

9,327 17 

3,385 00 

22,987 70 

1,616 55 

2,425 75 



139 64 

642 95 



310 15 
2,337 62 

1,827 86 



$152,878 04 



$231,365 22 



i 153,495 00 
4,749 90 

11,000 00 

49 79 

54,062 28 

3,797 53 

4,210 72 



$231,365 22 



3,966 85 

150 00 



Uncollected premiums on policies 
in force, ..... 

Deferred premiums on policies in 
force, ...... 

Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and de- 
ferred premiums, 

Furniture and fixtures, 
Stationery, etc., .... 

Total assets, per company's books, . 



New Business. 


Eenewals. 




$10,117 71 


f2,045 26 




8,484 08 


13,414 22 




$18,601 79 


$15,459 48 




3,720 35 


3,091 90 




$14,881 44 


$12,367 58 


27,249 02 
2,642 95 


• • . 


• t t 


. 


• • » 


2,000 00 


oks, . 


$267,374 04 



THE KANSAS MUTUAL LIFE ASSOCIATION. 



89 



Items not admitted. 

Office furniture, etc., 
Agents 1 balances, 
Bills receivable, 

Agency supplies, stationery, etc., 
Total,. .... 

Total admitted assets, 



£2,642 95 
4,210 72 
3,797 53 

2,000 00 



812,651 20 



$254,722 84 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . 
Claims resisted by the company, . 
Premiums paid in advance, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, ...... 



Gross liabilities, 



$83,566 00 

12,000 00 

202 59 



$95,768 59 
158,954 25 



$254,722 84 



Premium Note Account. 
Premium notes on hand Dec. 31, 1893, . . $4,516 20 



Premium notes received during 1894, 
Total, 

Transferred to bills receivable account, 

Voided by lapse, .... 

Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1894, 



14,120 79 

$1,724 88 

837 28 

11,324 93 



18,636 99 



13,887 09 



,,749 90 



Exhibit of Policies. 



Policies and Additions in Force Bee. 31, 1893. 



Whole life, 
Endowment, 
All other, . 



Number. 


Amount. 


Total No. 


Total Amount. 


285 


$431,500 00 






46 


61,000 00 






3,995 


7,666,000 00 










4,326 


$8,158,500 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

551 $1,007,000 00 

34 62,000 00 

460 836,000 00 



— 1,045 1,905,000 00 



90 



THE KANSAS MUTUAL LIFE ASSOCIATION". 



Whole life, 
All other, . 



Old Policies revived. 

Number. Amount. 

1 $1,000 00 

6 7,000 00 



Total No. 



Total Amount. 



5,000 00 



Whole life, 
Endowment, 
All other, . 



Total, . 



Old Policies increased. 

26 $53,000 00 

1 1,000 00 

42 55,500 00 



69 



109,500 00 



5,447 $10,181,000 00 



Policies terminated during the Year. 
Whole life, ... 163 $264,500 00 

Endowment, . . 21 42,000 00 

All other, .... 780 1,526,500 00 



964 $1,833,000 00 



How terminated. 



By death, .... 


37 


$76,000 00 






expiry .... 


459 


805,500 00 






surrender, . 


1 


2,000 00 






lapse, .... 


357 


668,000 00 






change and decrease, . 


69 


184,000 00 






Not taken, . 


41 


97,500 00 








. _ _. 




964 


1,833,000 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 

700 $1,228,000 00 

60 82,000 00 

. 3,723 7,038,000 00 



4,483 $8,348,000 00 



Schedule A. 



Bonds oivned by the Company. 

Par Value. Market Value. 

Brown County, Kansas, bonds, . . . $10,000 00 $10,150 00 

Pratt County, Kansas, bonds, .... 1,000 00 1,000 00 



$11,000 00 $11,150 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



91 



"THE MANHATTAN LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 
Paid-up Capital, $100,000. 



Henry B. Stokes, President, 



William C. Frazee, Secretary. 



Income. 

Cash received for premiums or new policies, .... 

Cash received for renewal premiums, . 
Premium notes received for renewals, . 
Dividends applied to pay running premiums, .... 

Dividends applied to purchase paid-up additions and annuities, 

Surrender values applied to purchase paid-up insurance and 

annuities, ....... 

Received for annuities, ..... 



Total, . . 
Deduct amount paid for reinsurance, 

Total premium income, .... 

Cash received for interest, .... 
for rents of company's property, 
for profits on securities sold, 
for reinsurance, . 

Premium notes or loans restored, . 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



$263,966 78 

1,563,456 16 

45,365 54 

95,218 56 

2,005 77 

90,641 75 
6,600 00 



!,067,254 56 
10,918 46 



1,056,336 10 

542,896 54 

103,953 43 

17,586 08 

1,722 15 

708 46 



$2,723,202 76 
12,859,642 60 



Total, 



$15,582,845 36 



Disbursements. 

Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 



.,334,827 54 

36,347 03 

78,479 27 

575 73 



. $1,450,229 57 
20,000 00 



Net amount paid for losses and endowments, . 



. $1,430,229 57 



92 



THE MANHATTAN LIFE INSURANCE COMPANY. 



Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 

policies, 121,079.08 ; voided by lapse, $19,156.89, . 
Premium notes or loans used in payment of dividends to 

policy-holders, . . 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, ...... 

Surrender values paid in cash, ...... 

Surrender values applied to purchase paid-up insurance and 
annuities, ......... 



Total paid policy-holders, ...... 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $150,148.77 

renewals, $129,022 85, 

for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, . 



for taxes on reserves, $1,616. 

$15,333.54, . 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for furniture and office fixtures, 
for advertising and printing, 
for real estate expenses, . 
for legal expenses, . 
for incidentals, 

Total disbursements, . 

Balance, , 



58 ; on investments 



$4,122 56 

40,235 97 

3,201 77 

7,498 38 

95,218 56 

2,005 77 
158,461 32 

90,641 75 



,831,615 65 
16,000 00 

279,171 62 
76,971 95 
46,935 25 
92,084 19 
12,546 96 

16,950 12 

6,029 69 

56,895 47 

7,409 09 

1,237 25 

14,310 02 

40,939 05 

13,827 35 

65,494 84 



$2,578,418 50 



$13,004,426 86 



Invested in the following; : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, . . . , , 



13,302,368 19 

4,138,183 62 

990,134 09 

121,334 16 

582,670 12 

3,288,620 18 

2,735 91 

578,380 59 



Ledger assets (as per balance), 



$13,004,426 86 



THE MANHATTAN LIFE INSUKANCE COMPANY, 



93 



Other Assets. 

Interest due and accrued, . 

Rents due and accrued, . • ° • ■ 

Market value of real estate, over cost, ...... 

Market value of stocks and bonds, over cost, .... 

New Business. Kenewals. 

Uncollected premiums on policies in 

force, ...... $67,767 00 $127,049 00 

Deferred premiums on policies in 

force, 16,038 00 128,740 00 



Total, . 
Deduct loading (20 per cent.), . 



,805 00 $255,789 00 
16,761 00 51,158 00 



Net amount of uncollected and de- 
ferred premiums, . $67,044 00 $204,631 00 



Commuted commissions, ..... 
Agents 1 balances, ...... 

Total assets, per company's books, . 

Items not admitted. 

Commuted commissions, ..... 
Agents' balances, ..... 
Loan in excess of market value, 

Total, ....... 

Total admitted assets, 
Deduct special deposits in other States, . 

Balance, .«,..,. 



$106,504 85 

5,390 33 

225,191 81 

88,129 32 



271,675 00 

55,549 33 

208,721 30 

113,965,588 80 



$55,549 33 

208,721 30 

5,662 50 



269,933 13 

$13,695,655 67 
10,250 00 

$13,685,405 67 



Liabilities, 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), 
Deduct net value of reinsured risks, . 

Net reinsurance reserve, ...... 

Death losses and matured endowments in proc- 
ess of adjustment, ..... $116,148 64 

Claims reported, proofs not received, , . 73,287 00 

Total policy- claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 
All other liabilities, .... 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



,698,003 00 
9,522 00 

$12,688,481 00 



189,435 64 
35,234 98 
11,459 08 
17,420 00 

,942,030 70 
10,250 00 



$12,931,780 70 



94 THE MANHATTAN LIFE INSURANCE COMPANY. 

Surplus as regards policy-holders, . . . $753,624 97 

Paid-up capital, ......... $100,000 00 

Surplus over capital, ...... 653,624 97 



$647,925 32 

45,365 54 

708 46 


$693,999 32 
111,329 20 


$36,922 76 
21,079 08 
19,156 89 

3,201 77 
30,968 70 


i • ■ 


$582,670 12 



Gross liabilities, . , . $13,685,405 67 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, 
received during 1894, 
restored by revival of policies, 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy- 
holders, ........ 

Redeemed by maker in cash, . 

Total, ....... o 

Balance note assets Dec. 31, 1894, . , 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 20,865 $52,812,498 00 

Endowment, . . . 2,663 6,863,588 00 

All other, .... 1,327 4,567,254 CO 

Reversionary additions, . - 51,130 00 

- ■ 24,855 $64,294,470 00 

Policies issued during the Year, 

Whole life, . . . 5,290 $11,512,035 00 
Endowment, 284 634,658 00 

All other, 422 1,272,401 00 

__ — 5,996 13,419,094 00 



Old Policies revived. 



Whole life, 

Endowment, 

All other, .... 


54 
11 

9 

o 

n 


$191,389 00 
36,572 00 
26,096 00 


74 


254,057 00 

99,445 00 

3,494 00 


Old policies increased, 
Additions by dividends, . 


• • ' i 

o e a 



Total, ........ 30,925 $78,070,560 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



95 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



Number. 

5,018 
407 
358 



Amount. Total No. 

$13,854,849 00 

1,166,197 00 

1,430,839 00 



Total Amount. 



5,783 $16,451,885 00 



How terminated. 



By death, . 


451 


$1,371,175 00 




maturity, 


48 


79,055 00 




expiry, 


- 


51,670 00 




surrender, . 


329 


811,574 00 




lapse, . 


. 2,922 


7,377,202 00 




change and decrease, 


120 


1,863,463 00 




Not taken, . 


. 1,913 " 


4,897,746 00 








. — . 


5,783 $16,451,885 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1894. 
. 21,191 $50,661,073 00 



2,551 
1,400 



6,368,621 00 

4,535,994 00 

52,987 00 



25,142 $61,618,675 00 



Schedule A. 
Securities held as Collateral. 



Iowa Central Railroad bonds, . . . 

Iowa Central stock, 

Wagner Palace Car Company stock, 

Bank of the Metropolis, N. Y., stock, 

Union Trust Company stock, . 

Western Union Telegraph Company stock, 

National Citizens' Bank stock, N. Y., 

New York, New Haven & Hartford Ry. stock 

New York, Ontario & Western Ry. stock, 

Consolidated Gas Company of N. Y. stock, 

Rome, Watertown & Ogdensburgh Ry. stock 

Denver & Rio Grande bonds, . 

Rio Grande & Western bonds, . 

Consumers Gas Company of Phila. bonds, 

Columbia Bank of New York stock, 

Union Trust Company of New York stock, 



Market Value. 

$23,300 00 ) 
8,400 00 < 
45,000 00 
40,000 00 
14,000 00 ^ 
8,700 00 
1,300 00 
12,900 00 
1,500 00 
13,100 00 [ 
11,600 00 
2,400 00 
700 00 
1,000 00 J 
37,500 00 
70,000 00 



Loaned Thereon. 

$37,362 50 
50,000 00 



► 52,000 00 



15,000 00 
53,500 00 



96 



THE MANHATTAN LIFE INSURANCE COMPANY. 



New York, New Naven & Hartford Ry. stock, 
Rome, Watertown & Ogdensburgh Ry. stock 
Consolidated Gas Company of N. Y. stock, 
Chicago, Milwaukee & St. Paul Ry. stock, 
Colorado Coal & Iron bonds, . 
Lehigh & Wilkesbarre Coal Co. bonds, . 
East River National Bank of New York stock 
Lehigh & Wilkesbarre Coal Company bonds, 
New York, Lackawanna & Western bonds, 
New York Central & Hudson River Ry. bonds 
Jersey City Water Works scrip, 
Pennsylvania Coal Company stock, . 
Whitney National Bank of New Orleans stock 
National Citizens Bank of New York, . 
New York Central & Hudson River Ry. stock 
Consolidated Gas Company of N. Y. stock, 
Union Trust Company of New York stock, 
Lake Shore & Michigan Southern R.R. bonds 
Tennessee Coal & Iron and Railroad stock, 
Mortgage on Land at Babylon, N. Y., 
Wagner Palace Car Company stock, 
Bank of the Metropolis of New York stock, 
American Express Company stock, 
Oregon Short Line bonds, 
Cincinnati, Newport & Covington bonds, 
Oregon Railway & Navigation Co. stock, 
Columbia Bank of New York stock, 
Union Pacific, Denver & Gulf Railway bonds 
Atlanta Consolidated Street R R. Co. stock , 
Utica Electric Light Company bonds, 
Atlanta Consolidated Street Railway bonds, 
Missouri, Kansas & Texas bonds, 
Union Trust Company of New York stock, 
Mahoning Coal Railroad Company stock, 
Henderson Bridge Company stock, . 
Nashville, Chattanooga & St. Louis stock, 
Louisville, New Albany & Chicago bonds, 
Delaware, Lackawanna & Western Ry stock 
Harlem River Railway Company stock, . 
Manhattan Railway Company stock, 
Long Island Railway Company stock, 
New Jersey Steamboat Company bonds, . 
National Citizens Bank of New York stock, 
Eighth Avenue Railway Company stock, 
Eighth Avenue Railway Company certificates, 
Consolidated Gas Company of N.Y. stock, 



Market Value. 

13,200 00 ^ 
2,300 00 
6,500 00 > 
11,700 00 I 
1,900 00 J 
11,700 00 n 
9,100 00 i 
1,800 00 ) 
3,400 00 n 
1,000 00 i 
2,000 00 ) 
1,400 00 ) 
257,700 00 S 
31,000 00 
1,900 00 
65,000 00 n 
7,700 00 i 
11,000 00 ) 
28,000 00 } 
15,000 00 S 
46,500 00 
30,000 00 ) 
7,700 00 S 
12,900 00 
6,000 00 
1,900 OO^j 
9,400 00 
3,900 00 
5,000 00 
5,000 00 | 
20,000 00 J 
9,000 00^ 
84,000 00 j 
21,000 00 } 
20,000 00 | 
13,000 00 J 
1,900 00 
16,000 00 ) 
12,500 00 S 
3,100 00^ 
4,300 00 > 
5,000 00 ) 
1,300 00 
8,400 00 ) 
9,000 00 S 
2,600 00 



Loaned Thereon. 



|20,000 00 



15,000 00 

5,000 00 

70,000 00 

25,000 00 
1,500 00 

62,000 00 

22,900 00 

15,000 00 
28,000 00 

9,000 00 
4,750 00 



y 36,500 00 



100,000 00 

1,006 25 
23,000 00 

10,000 00 

1,000 00 
12,000 00 

2,000 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



97 



Houston & Texas Central bonds, 
Consolidated Stock, County of New York, 
Dock Bond of City of New York, 
Morris & Essex Railway stock, 
Chicago & North Western Railway stock 
Sioux City & Pacific Railway bonds, 
Cedar Rapids & Missouri River bonds, 
Winona & South Western bonds, 
New York, Lackawanna & Western bonds, 
American Surety Company stock, 
Chicago & Erie Railway bonds, 
Chicago & Erie Railway bonds, 
Little Falls & Dolgeville bonds, 
Consolidated Gas Company of N. Y. stock, 



Market Value. 

$31,500 00) 

4,400 00 j 

1,000 00 

4,600 00 I 

1,000 00 ' 

4,400 00 

1,100 00 

1,200 00 

4,000 00 

10,000 00 

90,000 00 

90,000 00 

127,500 00 

1,300 00 



Loaned Thereon. 



> 



83,852 80 

83,762 54 

100,000 00 

1,000 00 



11,496,100 00 |990,134 09 



Schedule B, 

Slocks and Bonds owned by the Company. 

Cost Value. Market Value. 

50 shares Bank of Commerce, N. Y., stock, . f 4,460 00 $9,000 00 

United States registered bonds, . . . 118,098 70 130,525 00 

Virginia State bonds, consolidated debt, . 4,500 00 15,827 00 

Mississippi State bonds, ..... 10,000 00 10,000 00 

Central Park, North & East River R.R. bonds, 115,325 00 111,000 00 

Harlem River & Port Chester R,R, bonds, . 102,500 00 108,000 00 

Union Pacific Railroad bonds, .... 57,968 17 53,000 00 

Escanaba & Lake Superior Railroad bonds, . 34,800 00 33,150 00 

Albany & Susquehanna Railroad bonds, . . 59,000 00 59,500 00 

Ohio & Mississippi Railroad bonds, . . . 58,000 00 59,250 00 

Missouri Pacific Railroad bonds, . . . 111 3 250 00 97,000 00 

New York, Susq. & Western bonds, . . 101,138 89 109,000 00 

Dakota & Great Southern bonds, . . . 100,000 00 108,000 00 

Morgans La. & Texas R.R. & S.S. Co. bonds, 70,805 28 73,425 00 

Sewer & Drainage Cert, of New Rochelle,N.Y., 95,000 00 95,000 00 

Town of Danville, Virginia, bond, . . . 10,250 00 10,250 00 

Chicago, Burlington & Quincy R.R. bonds, . 86,000 00 88,000 00 

Chicago, Milwaukee & St. Paul Railway bonds, 79,389 17 84,900 00 

Denver & Rio Grande Railroad bonds,^ . . 78,000 00 82,250 00 

Louisville, St. Louis & Texas Railway bonds, 13,557 50 8,850 00 

New York, Lake Erie & Western R R. bonds, 119,513 89 119,500 00 

Third Avenue R.R. Co. 1st Mortgage bonds, . 110,000 00 120,500 00 

Bur., Cedar Rapids & Northern R.R, bonds, . 50,718 89 53,000 00 

Chicago & Eastern 111. Railroad bonds, . . 96,958 34 96,750 00 

Cinn., Ind., St. Louis & Chicago R.R. bonds, . 94,522 22 94,125 00 

Central Railroad Co. of New Jersey bonds, . 27,628 48 28,750 00 

Lehigh Valley Railroad Co. Terminal bonds, . 43,050 00 43,700 00 

Missouri, Kansas & Texas bonds, . . . 80,317 76 80,875 00 



98 



METROPOLITAN LIFE INSURANCE COMPANY. 



Monongahela Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
Equitable Gas Light Co. of N. Y. bonds, 
Baltimore & Ohio bonds, . 
Broadway & Seventh Ave. bonds, . 
Chicago, Rock Island & Pacific bonds, 
Cleveland, Lorraine & Wheeling bonds, 
Flint & Pere Marquette bonds, 
Knoxville & Lincoln bonds, 
Kanawha & Michigan bonds, . 
Lehigh & Wilkesbarre assented, 
St. Louis, Alton & Terre Haute bonds, 
West End Street Railway, Boston, bonds, 
School Dist. No. 61, Bergen Co., N. J., bonds 
Western Union Collateral Trust bonds, . 



Cost Value. 

$50,7.70 84 
88,447 22 

211,250 00 
56,500 00 

201,000 00 
50,581 52 

200,000 00 
57,191 75 
53,250 00 
38,527 78 
50,843 35 

102,500 00 
97,625 00 
48,762 50 
48,617 93 



Market Value. 

$52,250 00 
75,000 00 

225,000 00 
56,750 00 

220,000 00 
52,375 00 

204,000 00 
56,500 00 
53,875 00 
39,000 00 
50,760 00 

104,500 00 

104,250 00 
48,762 50 
50,600 00 



,288,620 18 |3,376,749 50 



"METROPOLITAN LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 
Paid-up Capital, $2,000,000. 

John R. Hegeman, President. George B. Woodward, Secretary. 



Income 

Cash received for premiums on policies, 
Premium notes received for policies, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Agents' deposits, ....... 



Total income, 
Net or ledger assets Dec. 31, 1893, 



Total, . 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 



,824,155 19 

2,860 58 



,827,015 77 

728,017 30 

5,568 13 

226,425 68 

421,715 87 



$18,208,742 75 
. 19,058,989 63 

$37,267,732 38 



i,747,137 89 
685 05 
130 00 



Gross amount paid for losses and endowments, 



1,747,952 94 



METROPOLITAN LIFE INSURANCE COMPANY. 



99 



Premium notes or loans used in purchase of surrendered 
policies, $8,516.61 ; voided by lapse, $528.39, 

Premium notes or loans used in payment of dividends to 
policy-holders, . 

Cash dividends paid policy-holders, .... 

Surrender values paid in cash, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and allowances to managers and 

agents, 

for medical examiners' fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, ..... 

for rent, 

for commuting commissions, .... 

for furniture and office fixtures, 

for advertising, printing and supplies, . 

for real estate expenses, ..... 

for legal expenses, ...... 

for profit and loss, . . . 

for incidentals, ....... 

Total disbursements, . 

Balance, 



$9,045 00 

2,011 47 

20,815 OS 

150,681 33 

£,930,505 82 

140,000 00 

2,662,522 53 

2,013,464 42 

462,406 41 

594,749 84 

169,711 19 

107,783 21 

2,863,951 05 

43,298 68 

228,016 24 

7,384 00 

55,741 97 

58,459 08 

441,079 11 



$15,779,073 55 



$21,488,658 83 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, ...... 

Cash deposited in bank, 

Ledger assets (as per balance), .... 
Deduct depreciation from cost of assets, 

Total net or ledger assets, .... 



£5,755,439 36 

9,733,475 00 

10,888 75 

81,087 48 

5,357,651 99 

54,110 29 

496,005 96 

$21,488,658 83 
50,334 49 

$21,438,324 34 



Other Assets. 
Interest due and accrued, 
Rents due and accrued, .... 
Market value of real estate, over cost, . 



208,788 65 

8,357 32 

128,464 30 



100 



METROPOLITAN LIFE INSURANCE COMPANY. 



Uncollected premiums on' policies in force, 
Deferred premiums on policies in force, . 

Total, ....... 

Deduct loading, 

Net am't of uncollected and deferred prem's, 

Total assets, per company's books, . 
Deduct special deposits in other States, . 

Balance, ...... 



$554,421 92 
191,588 59 

$746,010 51 
252,554 46 



$493,456 05 



$22,277,390 
136,600 



66 

00 



$22,140,790 66 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $17,648,802 00 

Policy claims unpaid, 98,303 45 

Unpaid dividends of surplus due policy-holders, . . . 29,468 76 

Premiums paid in advance, 5,846 51 

Agents' deposits in lieu of bonds, ...... 506,694 23 

Liabilities as to policy-holders, . .... $18,289,114 95 

Deduct liabilities on special deposits, 115,225 00 



$18,173,889 95 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Gross liabilities, 



$3,966,900 71 



2,000,000 
1,966,900 



00 

71 



$22,140,790 66 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, 
Premium notes received during 1894, 

Total, 

Used in payment of losses and claims, . 
Used in payment of surrendered policies, 
Voided by lapse, ...... 

Used in payment of dividends to policy-holders, 

Total, 

Balance note assets Dec. 31, 1894, 



,968 42 
2,860 58 



$685 05 

8,516 61 

528 39 

2,011 47 



$92,829 00 



11,741 52 





Exhibit of Policies. 




Tolicies and Additions 


in Force Dec 31, 1893. 




Number. 


Amount. Total No. 


Whole life, 


. 6,791 


$7,595,200 00 


Endowment, 


951 


1,106,218 00 


All other, . 


420 


558,053 00 
.... ., 8 160 



Total Amount. 



8,162 $9,259,471 00 



METROPOLITAN LIFE INSURANCE COMPANY. 



101 



Whole life, 
Endowment, 
All other, . 


Policies issued during the Year. 

Number. Amount. Total No. 

. 9,899 $11,165,897 00 

. 2,252 2,659,220 00 

113 207,242 00 


Total Amount. 

$14,032,359 00 




Old Policies revived. 


j-^,i-v/ i 


Whole life, 
Endowment, 
All other, . . 


51 
9 

2 


|56,500 00 
9,000 00 
2,000 00 


62 


67,500 00 




• • i 


■ • t • 


Total, . 


20,488 


123,359,330 00 



Policies terminated during the Year. 
Whole life, . . . 3,854 $4,398,606 00 
Endowment, ... 717 839,230 00 

All other, .... 173 260,298 00 





4,744 


$5,498,134 00 




How terminated. 


By death, . 


128 


$135,415 00 


maturity, 


1 


130 00 


surrender, . . 


323 


404,526 00 


lapse, . 


3,879 


4,249,448 00 


change and decrease, 


99 


182,500 00 


Not taken, . 


314 


526,115 00 



4,744 5,498,134 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 

. 12,887 |14,418,991 00 
. 2,495 2,935,208 00 
362 506,997 00 
15,744 $17,861,196 00 



Industrial policies in force, 



3,559,165 $423,514,171 00 



Schedule A. 

Stocks and Bonds owned by the Company. 



Beech Creek Railroad bonds, . 
North-western Telegraph Company, 
New York City Consolidated stock, 
Thames Nat'l Bank stock (Norwich, Conn.), 
Hamilton Trust Company stock, Brookl} T n, 
Franklin Trust Company stock, Brooklyn, 
People's Trust Company stock, Brooklyn, 



Cost Value. 

|46,250 00 
15,450 00 

100,125 00 
26,535 00 

100,375 00 

40,080 50 

5,015 00 



Market Value. 

$48,000 00 
15,750 00 
90,000 00 
29,280 00 
99,370 00 
34,500 00 
4,700 00 



102 



METROPOLITAN LIFE INSURANCE COMPANY. 



Farmers' Loan & Trust Company, N. Y., stock, 
National Shoe & Leather Bank, N. Y., 
Sioux City, la., Traction Company, . 
Sharon, Penn., Railway Company, . 
United States bonds, .... 

Akron & Chicago June. Railroad bonds, . 
Atlantic Ave. Railroad of Brooklyn bonds, 
Baltimore & Ohio Railroad bonds, . 
Baltimore Belt Railroad bonds, 
Brooklyn City Consolidated bonds, . 
Baltimore & Ohio Terminal bonds, . 
Canadian Pacific Railroad bonds, 
Cleveland, Col., Cin. & Ind. Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & Iudiana Coal Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Columbus & Toledo Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Central of New Jersey Railroad bonds, . 
Cin., Sandusky & Cleveland Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Columbus Con. & Terminal Co. bonds, . 
Cleveland, Cin., Chic. & St. Louis R.R. bonds 
Detroit, Bay City & Alpena Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
Ellwood Short Line Railroad bonds, 
Hannibal & St. Joseph Railroad bonds, . 
Louisville, N. Albany & Chicago R.R. bonds, 
Lake Erie & Western Railroad bonds, 
Lincoln (Neb.) Street Railway Co. bonds, 
Morgan's La. & Texas R.R. and S.S. Co. bonds 
Missouri Pacific Railroad bonds, 
Milwaukee, Lake Shore & West. R.R. bonds, 
Mobile & Girard Railroad bonds, 
Minneapolis & St. Louis Railroad bonds, 
Minnesota Car Company bonds, 
Manhattan Railroad Company bonds, 
Northern Illinois Railroad bonds, . 
Northern Pacific Railroad bonds, 
New York City Suburban Water Co. bonds, 
Omaha Horse Railway bonds, . 
Ohio River Railroad bonds, 
Pacific of Missouri Railroad bonds, . 
Rochester Gas & Electric bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
St. Louis, Iron Mount. & Southern R.R. bonds, 



Cost Value. 

$26,731 25 

39,600 00 

5,000 00 

21,000 00 

121,924 18 

99,750 00 

472,250 00 

54,000 00 

101,250 00 

217,000 00 

125,000 00 

113,104 15 

33,965 00 

142,612 50 

57,527 50 

46,218 75 

77,125 00 

26,950 00 

52,682 50 

100,750 00 

79,000 00 

26,968 75 

44,532 50 

205,851 50 

52,968 75 

28,364 16 

23,687 50 

30,386 25 

75,720 00 

150,750 00 

30,240 00 

26,750 00 

56,312 50 

30,093 75 

45,000 00 

315,073 75 

250,000 00 

175,750 00 

26,750 00 

47,000 00 

19,475 00 

15,000 00 

94,750 00 

214,750 00 

100,897 50 

52,781 25 

58,692 50 

50,375 00 



Market Value. 

$24,850 00 

27,000 00 

4,500 00 

20,800 00 

125,900 00 

103,500 00 

485,250 00 

56,500 00 

100,000 00 

225,000 00 

128,125 00 

124,800 00 

37,990 00 

145,800 00 

59,750 00 

48,000 00 

78,390 00 

25,960 00 

51,500 00 

112,500 00 

79,875 00 

25,500 00 

37,600 00 

222,500 00 

23,750 00 

27,435 00 

25,625 00 

29,625 00 

73,890 00 

153,750 00 

27,000 00 

28,000 00 

48,000 00 

32,125 00 

37,500 00 

323,750 00 

250,000 00 

177,600 00 

26,500 00 

45,200 00 

11,400 00 

15,750 00 

100,000 00 

225,500 00 

98,500 00 

28,500 00 

57,500 00 

50,750 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



103 



St. Paul City RVay Co. Cable Consol bonds, 
Toledo, Ann Arbor & Gr. Trunk R.R. bonds, 
Toledo & Ohio Central R.R. Car Trust, . 
Terre Haute & Indianapolis Railroad bonds, 
Ulster & Delaware Railroad bonds, . 
Union Pacific Railroad bonds, . 
Western New York & Penn. Railroad, 
West Side Railroad, Milwaukee, bonds, . 
Virginia Century bonds, .... 
Western Gas Company (Mil.) bonds, 



Cost Value. 

$52,250 00 
26,437 50 

204,470 00 
25,625 00 

149,625 00 
98,125 00 
62,500 00 
49,875 00 
10,450 00 
82,102 50 



Market Value. 

$48,125 00 
20,000 00 

204,000 00 
27,500 00 

153,000 00 

105,050 00 
12,502 50 
50,500 00 
11,800 00 
84,000 00 



>,357,651 99 $5,307,317 50 



"THE MUTUAL LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCurdy, President. William J. Easton, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, .... 
Dividends applied to purchase paid-up additions, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance, 
Received for annuities, 

Total, . . . . . . . 

Cash received for interest, 

for rents of company's property, 
for profits on securities sold, . 
on real estate sold, . 

Total income, 

Net or ledger assets Dec. 31, 1893, . . $176,786,059 81 
Contingent guarantee account, appreciation of 

real estate during year,* . . . . 2,264,340 21 



$5,420,183 97 

24,668,253 53 

1,308,344 69 

861,273 28 

2,742,403 00 

1,122,705 35 



.,123,163 82 

. 8,285,446 99 

842,399 36 

490,337 74 

15,181 82 



$45,756,529 73 



179,050,400 02 



Total, 



$224,806,929 75 



* Note. — In the book-keeping of the company and in its statement this item was placed in 
Income. The Commissioner is clearly of the opinion that it does not belong there. More 
properly it should be put under Assets with a similar item of appreciation in stocks and bonds, 
and hereafter, in the reports of this department, all similar items in the statements will be so 
placed. 



104 



THE MUTUAL LIFE INSURANCE COMPANY. 



DlSBUESEMENTS. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, . . . . .. 

Cash dividends applied to purchase paid-up additions, . 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance, 



$11,929,794 94 
. 1,486,859 63 

$13,416,654 57 

407,808 71 
. 1,308,344 69 
o 2,352,772 83 

861,273 28 

. 2,742,403 00 



Total paid policy-holders, ........ $21,089,257 08 

Cash paid for commissions to agents, new policies, $3,680,- 

109.44; renewals, $1,916,333.66, . . . . 5,596,443 10 
for salaries and allowances to managers and 

agents, . 1,088,045 99 

for medical examiners' fees and inspections, . . 425,109 51 

for salaries of officers and home office employees, 518,571 71 
for taxes on reserves, $28,952.01 ; on investments, 

$151,222.60, 180,174 61 

for fees, licenses and taxes on premiums, . . 302,117 57 

for rent, 140,000 00 

for advertising and printing, ...... 530,015 89 

for real estate expenses, ...... 313,273 21 

for legal expenses, ....... 214,667 29 

for incidentals, . 469,599 27 

for expenses of examination by New York State 

Department, . . . . . . . . 11,616 03 



Total disbursements, 
Balance, 



$30,878,891 26 



$193,928,038 49 



Invested in the following : — 



Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Suspense account, 

Commuted commissions, 



$21,691,733 39 

. 71,339,415 92 

. 11,366,100 00 

. 78,547,639 77 

10,336 83 

. 9,644,862 08 

420,638 78 

440,408 52 

466,903 20 



Ledger assets (as per balance), 



$193,928,038 49 



THE MUTUAL LIFE INSURANCE COMPANY. 105 



Other Assets. 

Interest due and accrued, $1,080,940 53 

Rents due and accrued, 99,535 92 

Market value of stocks and bonds, over book, . . . 5,423,050 90 

New Business. Kenewals. 

Uncollected premiums on poli- 
cies in force, .... $727,551 95 $1,175,822 91 

Deferred premiums on policies 
in force, 248,200 60 1,931,673 33 



Total, ..... $975,752 55 $3,107,496 24 

Deduct loading (20 per cent.),. 195,150 51 621,499 25 

Net amount of uncollected and 

deferred premiums, . . $780,602 04 $2,485,996 99 



— — 3,266,599 03 

Uncollected payments on annuities, ..... 23,969 33 

Total assets, per company's books, .... $203,822,134 20 



Items not admitted. 

Commuted commissions, . . . . . $466,903 20 

Agents' balances, 420,638 78 

Suspense account, 440,408 52 

Total — 1,327,950 50 



Total admitted assets, . . . . . . $202,494,183 70 

Deduct special deposits in other States, .... 3,560,990 33 



Balance, $198,933,193 37 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . , . $179,792,095 00 
Death losses and matured endowments in proc- 
ess of adjustment, $597,252 99 

Claims resisted by the company, . . . 374,300 00 
Due and unpaid on annuity claims, . . . 36,215 53 

Present value of unpaid instalments, . . 13,935 00 

Total policy claims, 1,021,703 52 

Premiums paid in advance, ....... 147,731 81 

Liability under non-forfeiture clause, ..... 134,202 00 

Liabilities as to policy-holders, $181,095,732 33 

Deduct liabilities on special deposits, .... 3,560,990 33 

$177,534,742 00 
Surplus as regards policy-holders, 21,398,45137 

Gross liabilities, . . . . . . . . $198,933,193 37 



106 



THE MUTUAL LIFE INSURANCE COMPANY. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 219,308 $637,726,276 00 

Endowment, . . 53,882 138,519,938 00 

All other, ... 23 248,371 00 

Reversionary additions, - 26,372,893 00 

__ . 273,213 $802,867,478 00 



Whole life, . 
Endowment, 
All other, 



Policies issued during the Year. 

. 55,152 $143,657,867 00 

. 14,223 31,346,922 00 

405 3,195,071 00 
. 69,780 



178,199,860 00 



Whole life, . 
Endowment, 
All other, 



Whole life, . 
Endowment, 
All other, 

Total, . 



Old Policies revived. 
8,714 $21,547,999 00 
2,328 4,907,623 00 
39 149,895 00 



11,081 



Old Policies changed and increased. 

781 $3,999,263 00 

139 1,202,201 00 

351 1,545,046 00 

1,271 



26,605,517 00 



6,746,510 00 



355,345 $1,014,419,365 00 



Policies terminated during the Year. 

Whole life, . . . 44,694 $127,320,210 00 
Endowment, . . 11,683 27,739,315 00 

All other, ... 453 4,649,079 00 



56,830 $159,708,604 00 



How terminated. 



By death, 


3,374 


$11,802,877 00 


maturity, 


633 


1,489,789 00 


expiry, . 


240 


562,605 00 


surrender, 


9,126 


27,721,360 00 


lapse, 


. 24,626 


62,873,450 00 


changeanddec 


rease, 1,263 


6,144,156 00 


Not taken, . 


. 17,568 


49,114,367 00 



56,830 159,708,604 00 



Policies in Force Dec. 31, 1894. 

Whole life, . . . 239,261 $679,611,195 00 

Endowment, . . 58,889 148,237,369 00 

All other, ... 365 1,718,914 00 

Reversionary additions, - 25,143,283 00 

298,515 






$854,710,761 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



107 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Georgia Railroad & Banking Company stock, $ 18,000 00 

Nassau Gas Company, Brooklyn, stock, . . 7,500 00^ 

Title Guarantee & Trust Company stock, . 8,225 00 | 

Long Island Loan & Trust Company stock, . 17,200 00 

Brooklyn City Railroad stock, .... 18,150 00 

Pittsburgh, Cleveland & Toledo R.R. bonds, . 1,180 00 

St. Louis, Iron Mt. & Southern R.R. bonds, . 780 00 ) 

Pittsburgh, Fort Wayne & Chicago Ry. stock, 69,006 00^ 

National Bank of Commerce stock, . . . 36,000 00 

Bank of New York stock, .... 46,000 00 

Rensselaer & Saratoga R.R. stock, . . . 60,480 00 

Merchants National Bank stock, . . . 26,865 00 

American Exchange National Bank stock, . 33,104 04 

United States Trust Company stock, . . 45,360 00 

National Park Bank stock, .... 47,040 00 

Bank of the State of New York stock, . . 37,904 00 

Fourth National Bank stock, . . . . 4,810 00 

Cleveland & Pittsburgh R.R. stock, . . . 3,889 50 

Northern Pacific Railroad bonds, . . . 92,800 00 

South & North Alabama Railroad bonds, . 57,000 00 

Nashville, Chattanooga & St. Louis Ry. bonds, 50,000 00 > 

Wilkesbarre & Eastern Railroad bonds, . . 47,500 00"} 

Cleveland, Lorraine & Wheeling K.R. bonds, . 50,625 00 I 

Alabama Midland Railway bonds, . . . 27,000 00 | 

State of Virginia bonds, 59,000 00 J 

Fairmont, Morganstown & Pitts. R.R. bonds, . 400,000 00 

Western Union Telegraph Company stock, . 304,500 00 

Western Union Telegraph Company stock, , 304,500 00 

Delaware & Hudson Canal Company stock, . 25,200 00 ^ 

Consolidated Gas Company, N. Y., stock, . 13,100 00 

Cleveland, Cin., Chicago & St. L. Ry. stock, . 8,200 00 

Chicago, Rock Island & Pacific Railway stock, 6,820 00 

New York Central & Hudson River R.R. stock, 490 00 } 

Western Union Telegraph Company stock, . 4,350 00 

Lake Shore & Michigan Southern Ry. bonds, . 1,200 00 

Central Railroad of New Jersey bonds, . . 7,980 0q 

Cleveland, Columbus, Cin. & Ind Ry. bonds, 1,130 00^ 

Rutland Railroad, preferred stock, . . . 35,000 00 

Southern Pacific Railroad of California bonds, 76,300 00 

Lake Shore & Michigan Southern Ry. stock, . 134,000 00 ^ 

Delaware & Hudson Canal Company stock, . 37,800 00 \ 

Delaware, Lackawanna & West. R.R. stock, . 8,050 00 J 

Lake Shore & Michigan Southern Ry. stock, . 134,000 00 "| 

Delaware & Hudson Canal Company stock, . 37,800 00 \ 

Canada Southern Railway stock, . . . 9,800 00 J 

Delaware, Lackawanna & Western R.R. stock, 161,000 00 ) 

United States bonds, 1,170,000 00 ) 



Amount Loaned. 

$10,000 00 



} 40,000 00 



} 500,000 00 



150,000 00 

300,000 00 

250,000 00 

250,000 00 



50,000 00 



15,000 00 
50,000 00 

150,000 00 

150,000 00 
1,000,000 00 



108 



THE MUTUAL LIFE INSURANCE COMPANY. 



Delaware, Lackawanna & Western R.R. stock 

United States bonds, 

Laclede Gas Light Co. of St. Louis bonds, 
Elizabeth, N. J., adjustment bonds, . 
International Bell Telephone Company stock 
Providence & Stonington S.S. Company stock 
Canada Southern Railway stock, 
Continental Fire Insurance Company stock, 
Duluth & Iron Range Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
International & Great Northern R.R. bonds, 
Burlington, Cedar Rapids & North. Ry. bonds 
Cedar Rapids, Iowa Falls & N. W. Ry. bonds 
General Electric Company bonds, . 
Chicago, Rock Island & Pacific Railway bonds 
American Sugar Refining Co. preferred stock 
Mutual Life Insurance Co. paid up policies, 
Bond & Mortgage Guarantee Co. stock, . 
Atlantic Trust Company stock, 
Manufacturers National Bank, Brooklyn, stock 
Frank Jones Brewing Company bonds, . 
Chicago, Milwaukee & St. Paul Railway stock 
New York, New Haven & Hartford R.R. stock 
Cleveland, Cin., Chicago & St. Louis Ry. stock 
Brooklyn City Railroad stock, . 
Rome, Watertown & Ogdensburg R.R. stock, 
Illinois Central Railroad stock, 
Farmers 1 Loan & Trust Company stock, . 
Wagner Palace Car Company stock, 
Columbus, Hocking Yal. & Toledo Ry. bonds 
Oregon Short Line & Utah North. Ry. bonds, 
Canada Southern Railway bonds, 
Canada Southern Railway bonds, 
Long Island Railroad stock, 
Farmers' Loan & Trust Company stock, . 
Cleve., Cin., Chic. & St. L. Ry. preferred stock 
Buffalo & Erie Railroad bonds, 
Canada Southern Railway bonds, 
Escanaba & Lake Superior Railroad bonds, 
Detroit, Monroe & Toledo Railroad bonds, 
Tennessee Coal Iron Co., Birm. Div., bonds, 
Pacific Railroad of Missouri Extension bonds, 
Chicago, Rock Island & Pacific Railway bonds 
Chicago & Eastern Illinois Railroad bonds, 
Morris & Essex Railroad bonds, 
Virginia Midland Railway bonds, . 
Missouri, Kansas & Texas Railway bonds, 
Northern Pacific Railroad bonds, 



Market Value. 

$80,500 00 
585,000 00 
70,372 50 
900 00 
11,100 00 
12,615 001 
9,800 00 
2,500 00 
48,383 70 
2,460 00 
7,000 00 i 
12,350 00 
9,125 00 
1,860 00 
23,920 00 
27,300 00 
500,000 00 
11,500 00 
5,750 00 
6,600 00 j 
494,991 00 
145,600 00 ? 
38,000 00 ) 
9,840 00^ 
9,900 00 
1,160 00 
1,394 00 
9,800 00 
7,800 00 
13,350 00 
4,700 00 
1,120 00 
5,250 00 J 
8,700 00^ 
12,950 00 
8,200 00 
1,100 00 
10,500 00 !" 
10,700 00 
6,350 00 
3,320 00 J 
27,000 00^ 
66,430 00 j 
24,000 00 I 
6,000 00 j 
45,120 00 > 
20,000 00 ! 
58,000 00 ) 



Amount Loaned. 

$500,000 00 

45,000 00 

600 00 

5,000 00 



} 100,000 00 



400,000 00 
15,000 00 

350,000 00 
150,000 00 



y 50,000 oo 



50,000 00 



100,000 00 
100,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



109 



Chic, St. Paul, Mm. & Omaha Ry. pref. stock 
Chesapeake & Ohio Railway bonds, 
Chicago, Milwaukee & St. Paul Railway bonds 
New York, Lackawanna & Western R.R. bonds 
Richmond & Danville Railroad bonds, 
American Dock & Imp. Company bonds, 
Missouri Pacific Railway bonds, 
Erie Railroad bonds, . 

Edison Electric Illuminating Company bonds 
Wabash R.R. , Detroit & Chicago Exten bonds 
Chesapeake & Ohio Railway bonds, 
Colorado, Hocking Valley & Tol. Ry. bonds, 
New York & Harlem Railroad bonds, 
Missouri, Kansas & Eastern Railway bonds, 
Pacific Railroad of Missouri bonds, . 
Central Railroad of New Jersey bonds, . 
Chicago, Milwaukee & St. Panl Term'l bonds 
Chesapeake & Ohio Ry., Craig Val. Div , bonds 
Morris & Essex Railroad bonds, 
Atlantic Trust Company stock, 
Jackson County, Mo., bonds, . 
Wilson County, Kan., bonds, . 
Shawnee County, Kan., bonds, . 
Cloud County, Kan., bonds, 
Coffey County, Kan., bonds, 
Sheridan Township, Kan., bonds, 
Baker Township, Kan., bonds, . 
Ottawa County, Kan., bonds, . 
Morris & Essex Railroad stock, 
Mahoning Coal Railroad bonds, 
Minneapolis & St. Louis Railway bonds, 
St. Louis Southwestern Railway bonds, 
Union Pacific Railway bonds, . 
Chicago, Milwaukee & St. Paul Railway bonds 
Broadway & Seventh Avenue Railroad stock, 
Central Park, North & East River R.R. stock 
Broadway & Seventh Avenue Railroad stock, 
Central Park, North & East River R.R. stock 
Broadway & Seventh Avenue Railroad stock, 
Central Park, North & East River R.R. stock 
Columbus & Ninth Avenue Railroad bonds, 
Columbus & Ninth Avenue Railroad bonds, 
Canada Southern Railway bonds, 
Chicago & Indiana Coal Company bonds, 
Delaware & Hudson Canal Company stock, 
Rensselaer & Saratoga Railroad stock, . 
Delaware & Hudson Canal Company stock, 
Cleve., Cin., Chic. & St. Louis R'y pref. stock 



Market Value. 

$55,000 00 ) 
33,750 00 ! 
24,780 00 j 
9,280 00 j 
59,000 00^ 
3,480 00 j 
21,600 00 
16,942 90 
21,600 00 

990 00 J 
37,500 00 ^ 
22,500 00 
4,720 00 
12,600 00 
16,200 00 
9,760 00 
11,100 00 
9,500 00 J 
14,000 00 
11,500 00 
5,300 00^ 
3,270 00 
2,080 00 
9,040 00 
4,320 00 
2,000 00 
1,000 00 
7,910 00 J 
8,050 00 
5,750 00 
5,400 00^ 



Amount Loaned. 



$100,000 00 



} 100,000 00 



> 100,000 00 



8,000 00 
9,500 00 



> 28,000 00 



5,000 00 
2,500 00 



6,710 00 



12,480 00 ( 

35,400 00 j 

257,600 00 

165,000 00 

257,600 00 

165,000 00 

293,112 00 

115,500 00 

340,000 00 

340,000 00 

5,600 00 

980 00 

127,638 00 

36,000 00 

52,290 00 

32,800 00 



J> 50,000 00 



300,000 00 
300,000 00 

300,000 00 

250,000 00 
250,000 00 

5,000 00 
100,000 00 

100,000 00 



110 



THE MUTUAL LIFE INSURANCE COMPANY. 



Brooklyn Trust Company stock, 
Central Trust Company stock, 
Franklin Trust Company stock, 
Western Union Telegraph Company stock, 
New York Central & Hudson River R.R. bonds 
New York Central & Hudson River R.R. bonds 
Kings County Trust Company stock, 
Hamilton Trust Company stock, 
Union League Club of Brooklyn bonds, 
First National Bank, New York, stock, 
Central Railroad of New Jersey stock, 
Georgia Railroad & Banking Company stock 
Georgia Railroad & Banking Company stock 
Chicago, Milwaukee & St. Paul R'y pref . stock 
Chicago, Rock Island & Pacific Railway stock 
Savannah, Florida & Western Railway bonds 
Georgia Railroad & Banking Company stock 
Northern Railway of California bonds, . 
Southern Pacific R.R. of New Mexico bonds, 
Southern Pacific Railroad of Arizona bonds, 
San Antonio & Aransas Pass Railway bonds, 
Southern Pacific Railroad of California bonds 
Northern Railway of California bonds, . 
Southern Pacific Railroad of Arizona bonds, 
Southern Pacific R.R. of New Mexico bonds, 
San Antonio & Aransas Pass Railway bonds, 
Southern Pacific Railroad of California bonds 
Northern Railway of California bonds, . 
Southern Pacific R.R. of New Mexico bonds, 
Southern Pacific Railroad of Arizona bonds, 
San Antonio & Aransas Pass Railway bonds, 
Southern Pacific Railroad of California bonds 
New York, New Haven & Hartford R R stock 
42d St., Manhattan & St. Nich. Av. R.R. bonds 
Cleveland & Marietta Railway bonds, 
Lehigh Valley Terminal bonds, 
Burlington, Cedar Rapids & North'n R'y bonds 
Rome, Watertown & Ogdensburg R.R. bonds, 
Cincinnati & Springfield R.R. first bonds, 
West Virginia & Pittsburgh Railroad bonds, 
Syracuse, Binghamton & N. York R.R. bonds, 
Erie Railroad Consolidated bonds, . 
Chesapeake & Ohio R.R. Cons. & Genl. bonds 
Chicago & Northwestern Railway bonds, 
Chicago, Milwaukee & St. Paul R'y pref stock 
Cleve., Cin., Chic. & St Louis R'y pref. stock 
Delaware, Lackawanna & Western R.R. bonds 
Delaware & Hudson Canal Co., Penn Div., bds. 



Market Value. 

$90,000 00} 
100,000 00 > 
18,000 00 ^ 
26,100 00 f 
' 39,370 00 S 
127,000 00 
12,500 00} 
14,250 00 ? 
1,000 00' 
750,000 00 ) 
267,000 00 $ 
82,500 00 
53,700 00 
11,750 00 ) 
6,200 00 S 
120,000 00 
39,000 00 
315,000 00 1 
95,000 00 | 
90,000 00 } 
79,750 00 | 
127,500 00 J 
270,000 001 
90,000 00 I 
142,500 00 j> 
35,750 00 | 
170,000 00 J 
315,000 00 1 
95,000 00 I 
90,000 00 [ 
35,750 00 | 
170,000 00 J 
1,244,500 00 
5,500 00 
5,250 00 
2,180 00 
2,850 00 
8,260 00 
5,837 50 
5,000 00 J 
13,000 00 1 
10,426 40 ! 
15,000 00 j 
23,700 00 j 
23,500 00 1 
16,400 00 ' 



Amount Loaned. 

$ 160,000 00 

50,000 00 
100,000 00 

23,500 CO 

300,000 00 

50,000 00 
35,000 00 

15,000 00 

100,000 00 
25,000 00 

500,000 00 



500,000 00 



500,000 00 
1,000,000 00 

25,000 00 



50,000 00 



8,050 00 \ 50 > 000 00 
11,626 40 j 



THE MUTUAL LIFE INSURANCE COMrANY. 



Ill 



Western Union Telegraph Company stock, 
Baltimore & Ohio Railroad stock, . 
Consolidated Gas Company stock, . 
Chicago, Milwaukee & St. Paul Railway stock, 
Pullman Palace Car Company stock, 
Chicago, Burl. & Quincy R.R. 4 per cent, bonds, 
Ohio Southern Railroad 4 per cent, bonds, 
West Shore Railroad 1st 4 per cent, bonds, 
Missouri, Kansas & Texas R'y 4 per cent, bonds, 
Chesapeake & Ohio R'y Cons. 4 per cent, bonds, 
Equit. Gas & Fuel Co., Chic, 6 per cent, bds., . 
E. Tenn.,Virg'a & Georgia R R. 5 per cent, bds., 
Denver & Rio Grande R.R. 4 per cent, bonds, . 
Chic , Rock Island & Pacific R'y 5 per cent, bds., 
Nash., Chattan'a & St. Louis R'y 4 per cent, bds., 
Pacific Railroad of Missouri, Extended, bonds, 
Chicago, Milwaukee & St. Paul Railway stock, 
Delaware & Hudson Canal Company stock, . 
Central Trust Company, New York, stock, 
Lake Shore & Michigan Southern R'y stock, . 
Rensselaer & Saratoga Railroad stock, . 
Western Union Telegraph Company stock, 
Delaware & Hudson Canal Company stock, . 
Chicago & Northwestern Railway pref. stock, 
Wagner Palace Car Company stock, 
Third Avenue Railroad stock, .... 
Chicago, Burlington & Quincy Railroad bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds, 
Central Vermont Railroad bonds, . 
Central Railroad & Banking Co., tripartite bds., 
Erie Railroad fourth mortgage bonds, 
Erie Railroad Consolidated bonds, . 
Louisville & Nash. R.R., Cecelia branch, bds., 
Chicago Junction & Union Stockyards bonds, 
Central Railroad of New Jersey general bonds, 
Michigan Central Railroad bonds, . 
St. Louis, Iron Mount. & Southern R.R. bonds, 
Lake Shore & Michigan Southern R.R. bonds, 
Canada Southern Railway bonds, 
Syracuse, Binghamton & New York R.R. bds., 
Wabash Railroad bonds, ..... 
Morris & Essex Railroad stock, 
Rensselaer & Saratoga Railroad stock, . 
Rome, Watertown & Ogdensburg R.R. bonds, 
Chicago & Northwestern Railway bonds, 
Chicago, Burlington & Quincy Railroad bonds, 
Pennsylvania Railroad stock, .... 
Central R R & Banking Co. tripartite bonds, , 



} |250,000 00 



100,000 00 
87,500 00 



Market Value. Amount Loaned. 

$78,300 00 >j 
12,200 00 I 
52,400 00 
39,200 00 

6,160 00 

8,816 00 | 
13,500 00 J 
10,500 00 
16,000 00 

9,500 00 

9,800 00 
20,800 00 

4,920 00 
10,400 00 I 

6,000 00 I 

4,120 00 J 
117,600 00 ) 

2,016 00 S 
125,000 00 
13,400 00^ 
36,000 00 

8,700 00 
12,600 00 
11,200 00 
15,600 00 I 

9,000 00 

6,150 00 

6,250 00 

114,000 00 

44,770 00 

11,400 00 

13,033 00 

7,700 00 

5,250 00 

5,700 00 

6,000 00 j 

3,900 00 
12,000 00 
15,750 00 

7,800 00 I 

4,900 00 J 

161,000 00^ 

13,500 00 j 

2,360 00 j. 
12,200 00 j 

2,994 90 J 
75,315 CO ) 
48,400 00 S 



} 300,000 00 



150,000 00 



100,000 00 



112 



THE MUTUAL LIFE INSURANCE COMPANY. 



Pennsylvania Railroad stock, . 
Bank of New York stock, 
Union Trust Company stock, . 
Texas & Pacific Railway first bonds, 
Central R R. & Banking Co. tripartite bonds, 
Chesapeake & Ohio Repurchase money bonds, 



Market Value. Amount Loaned. 

|10,042 00^ 
23,000 00 
34,500 00 
30,247 00 
32,670 00 J 
8,720 00 



> $100,000 00 



6,500 00 



$15,574,566 84 $11,366,100 00 



Schedule B. 

Stocks and Bonds owned by the Company, 



American Exchange National Bank stock, 
Albany & Susquehanna Railroad Co. stock, 
Brooklyn City Railroad Company stock, . 
Central Trust Company stock, . 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul Railroad stock 
Cleveland & Pittsburgh Railroad stock, . 
Georgia Railroad & Banking Company stock 
Massawippi Valley Railroad stock, . 
Morris & Essex Railroad stock, 
National Bank of Commerce stock, . 
National Safe Deposit Compan} T stock, 
National Union Bank stock, 
New York Guaranty & Indemnity Co. stock, 
New York & Harlem Railroad stock, 
New York, New Haven & Hartford R R. stock 
Pennsylvania Railroad stock, . 
Pittsburg, Ft. Wayne & Chicago R.R. stock, 
Pitts., McKeesp. & Youghiogheny R R. stock, 
Real Estate Exch. and Auction Room stock, 
Sixth Avenue Railroad stock, . 

United New Jersey R.R. & Canal Co. stock, 

United States Mortgage Company stock, 

United States bonds, .... 

Austrian government rentes, . 

British consols, ..... 

Cape of Good Hope consolidated stock, 

Dominion of Canada bonds, 

Italian government rentes, 

Prussian government consols, . 

Transvaal government bonds, . 

Victorian government stock, . 

Georgia State bonds, 

Minnesota State bonds, 

Province of New Brunswick bonds, 



Cost. 

$94,856 14 
30,341 70 
250,000 00 
716,784 89 
626,803 00 
853,837 24 
188,527 78 
194,532 20 
35,000 00 
191,797 00 
44,043 35 
100,000 00 
326,225 00 
1,163,500 00 
864,146 95 
1,520,737 91 
661,085 83 
158,325 00 
305,500 00 
1,000 00 
199,000 00 
60,408 78 
1,312,500 00 
599,252 00 
202,295 67 
99,422 81 
48,997 07 
155,550 00 
253,892 11 
476,694 99 
49,727 57 
24,250 00 
1,029,710 00 
100,275 00 
219,226 75 



Market Value. 

$96,742 40 
34,840 00 
330,000 00 
716,000 00 
630,000 00 
840,980 00 
194,475 00 
150,000 00 
35,728 00 
201,250 00 
46,260 00 
50,000 00 
459,000 00 
2,885,480 00 
1,132,837 50 
1,528,550 00 
614,570 04 
159,000 00 
312,500 00 
750 00 
200,000 00 
64,390 00 
1,575,000 00 
597,600 00 
210,232 00 
99,835 00 
53,083 00 
156,555 00 
245,222 42 
507,544 10 
52,596 00 
24,837 00 
1,067,400 00 
98,995 00 
219,865 80 



THE MUTUAL LIFE INSURANCE COMPANY. 



113 



Province of Nova Scotia bonds, 
South Carolina State bonds, 
Tennessee State bonds, 
Atchison County, Kan., bonds, . 
Bexar County, Tex., bonds, 
Butler County, Ohio, bonds, 
Chatham County, Ga., bonds, . 
Douglas County, Neb., bonds, . 
Franklin County, Ky., bonds, . 
Franklin County, Ohio, bonds, . 
Hamilton County, Tenn., bonds, 
Hancock County, Ohio, bonds, . 
Hennepin County, Minn., bonds, 
Hudson County, N. J., bonds, . 
Kent County, Mich., bonds, 
Lucas County, Ohio, bonds, 
McLennan County, Tex., bonds, 
Montgomery County, Iowa, bonds, 
Owen County, Ky., bonds, 
Ramsay County, Minn., bonds, 
Sedgwick County, Kan., bonds, 
Shawnee County, Kan., bonds, . 
Vanderburgh County, Ind., bonds, 
Wells County, Ind., bonds, 
Woodbury County, Iowa, bonds, 
Atlanta, Ga., bonds, . 
Augusta, Ga., bonds, . 
Colorado Springs, Col., bonds, . 
Council Bluffs, Iowa, bonds, 
Duluth, Minn., bonds, 
East Orange, N. J., bonds, 
East Tacoma, Wash., bonds, 
Elizabeth, N. J., bonds, . 
Evansville, Ind., bonds, 
Fostoria, Ohio, bonds, 
Fort Worth, Tex., bonds, 
Galveston, Tex., bonds, 
Guelph, Canada, bonds, 
Helena, Mont , bonds, 
Hyde Park, 111., bonds, 
Jackson, Mich., bonds, 
Jersey City, N. J., bonds, 
Joliet, 111., bonds, 
Kansas City, Kan., bonds, 
Lake, 111., bonds, 
Lakeside, Minn., bonds, 
Lincoln, Neb., bonds, 
Memphis, Tenn., bonds, 



Cost. 

$410,202 50 

155,590 00 

780,900 00 

124,353 80 

50,435 00 

55,515 00 

62,487 90 

59,629 80 

62,334 80 

47,677 00 

207,200 00 

14,097 65 

201,700 00 

1,099,005 00 

80,568 00 

20,241 50 

74,718 00 

39,000 00 

100,000 00 

304,925 00 

256,715 00 

30,414 00 

104,277 50 

124,791 80 

125,000 00 

567,891 60 

129,069 64 

62,976 00 

118,797 25 

74,916 90 

46,000 00 

103,890 00 

374,837 60 

446,280 00 

6,009 60 

101,140 00 

323,942 90 

131,856 40 

100,480 00 

52,780 00 

67,372 50 

1,517,340 19 

51,185 00 

104,805 00 

70,369 50 

28,179 20 

98,810 00 

102,987 30 



Market Value. 

$401,650 00 

156,000 00 

813,000 00 

119,995 00 

51,805 00 

55.531 00 
62,490 00 
59,629 80 
63,884 80 
49,054 50 

209,700 00 

14,331 80 

207,200 00 

1,123,098 50 

84,400 00 

20,241 20 

77,749 00 

39,487 50 

101,670 00 

314,980 00 

256,215 00 

30,414 00 

105,837 50 

125,937 50 

125,000 00 

596,742 80 

132,016 00 

62,976 00 

118,325 50 

75.532 70 
48,042 40 

106,390 00 

370,800 00 

446,280 00 

6,129 60 

98,250 00 

320,951 10 

136,239 40 

100,000 00 

52,780 00 

70,193 50 

1,612,112 90 

53,465 00 

106,926 60 

71,995 00 

28,789 60 

98,810 00 

106,355 00 



114 



THE MUTUAL LIFE INSURANCE COMPANY. 



Minneapolis, Minn., bonds, 

Montreal, Canada, bonds, . 

Nashville, Tenn., bonds, . 

Newark, N. J., bonds, 

Omaha, Neb., bonds, 

Orange, N. J., bonds, 

Ottawa, Canada, bonds, . 

Pawtueket, R. I., bonds, . 

Portland, Ore , bonds, 

Richmond, Va., bonds, 

Salt Lake City, Utah, bonds, 

Salem, Ohio, bonds, . 

St. Paul, Minn., bonds, 

San Antonio, Tex., bonds, 

San Francisco, Cal., bonds, 

Seattle, Wash., bonds, 

Spokane, Wash., bonds, . 

Spokane Falls, Wash., bonds, 

Stillwater, Minn., bonds, . 

Toronto, Canada, bonds, . 

Waco, Tex., bonds, . 

Albany & Susquehanna R.R. bonds, 

Ashtabula & Pittsburgh R.R. bonds, 

Atlanta & Charlotte Air Line R.R. bonds 

Atlantic and Gulf bonds, . 

Atlantic Avenue R R. bonds, . 

Baltimore & Ohio R.R. bonds, . 

Bleecker Street & Fulton Ferry R.R. bonds, 

Broadway & Seventh Avenue R.R. bonds, 

Brooklyn, Queens County & Sub. R.R. bonds, 

Cedar Rapids, Iowa Falls & North w"n Ry. b'ds, 

Central Park, North & East River R.R. bonds, 

Central Railroad & Banking Co. of Georgia, 

Charlotte, Columbia & Augusta R.R. bonds, 

Chateaugay Railway bonds, 

Chicago & Eastern Illinois R R. bonds, . 

Chicago & Northwestern Railway bonds, 

Chicago & St. Louis Railroad bonds, 

Chicago & Southwestern Railway bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St. Paul Railway b'ds, 

Chicago, St. Paul, Min. & Omaha Ry. bonds, . 

Cincinnati & Springfield Railway bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, . 

Cincinnati, Ind., St. Louis & Chic. Ry. bonds, . 

Cincinnati, Sandusky & Cleveland R.R. bonds, 

Cleveland & Mahoning Valley Ry. bonds, 

Cleveland, Cin., Chic. & St. Louis Ry bonds, . 



Cost. 

5,160 00 
577,157 00 
373,270 50 

3,127,170 00 

218,393 50 

379,000 00 

42,164 00 

153,000 00 

555,450 00 

10,862 84 

256,250 00 

125,000 00 

493,442 50 

100,880 00 

146,225 95 

100,420 00 

586,440 00 

109,340 00 

30,896 50 

460,538 80 

33,270 60 

1,205,072 00 
90,614 70 
284,050 00 
448,734 00 
233,887 50 
108,200 00 
59,438 50 

1,866,200 00 
540,672 50 
243,026 40 
112,660 00 

1,267,916 67 

160,909 30 

218,500 00 

51,270 00 

3,467,063 50 

96,612 40 

162,330 00 

1,084,467 40 

2,760,197 50 
531,600 00 
282,664 00 
371,037 00 
260,982 00 
519,050 00 
187,722 50 
445,000 00 



Market Value. 

$211,740 00 
568,923 13 
407,355 50 

3,200,820 00 

224.449 00 
402,594 10 

42,164 00 
153,000 00 

555.450 00 
10,539 10 

258,325 00 
3 27,500 00 
509,055 00 
103,085 00 
154,149 45 
100,000 00 
641,580 00 
107,890 00 
31,146 00 
461,000 00 
32,168 40 

1,357,892 80 
94,365 00 
294,700 00 
448,734 00 
245,812 50 
119,000 00 
59,812 50 

2,208,400 00 
575,000 00 
211,470 00 
115,580 00 

1,542,750 00 

160,925 00 

233,580 00 

56,750 00 

3,698,929 00 

92,923 00 

169,755 00 

1,101,950 40 

3,026,880 00 
630,000 00 
309,055 00 
404,815 00 
252,909 00 
525,000 00 
196,875 00 
448,350 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



115 



Cleveland, Col., Chi. & Ind'polis Ry. bonds, , 
Cleveland, Lorain & Wheeling Railroad bonds 
Cleve., Tuscarawas Val. & WheePgR.R., b'ds 
Columbus & Indianapolis Central R.R. bonds 
Columbus & Toledo Railroad bonds, 
Columbus Consolidated Street Railway bonds 
Corrigan Consolidated Street Railway bonds 
Covington & Lexington Railroad bonds, . 
Delaware & Hudson Canal Company bonds, 
Duluth & Iron Range Railroad bonds, 
Duluth & Manitoba Railroad bonds, 
Eastern Railway of Minnesota bonds, 
East Tennessee, Virginia & Georgia Ry.b'ds, 
Elmira, Cortland & Northern Railroad bonds 
Erie Railway bonds, . . 

Evansville & Terre Haute Railroad bonds, 
Flint & Pere Marquette Railroad bonds, . 
Florida Central & Peninsular Railroad bonds 
Galveston, Har'sb'gh & San Antonio Ry. b'ds 
Grand Rapids, Lansing & Detroit R.R. bonds 
Georgia Railroad & Banking Company bonds 
Hannibal & St. Joseph Railroad bonds, . 
Housatonic Railroad bonds, 
Illinois Central Railroad bonds, 
Indiana, Bloomington & Western R.R. bonds 
Indianapolis & St. Louis Railroad bonds, 
Indianapolis, Decatur & Spring'd R.R. bonds, 
Jamaica & Brooklyn Road bonds, . 
James River Valley Railroad bonds, 
Jefferson, Madison & Indianapolis R.R. bonds 
Kan. City, St. Jos & Council Bluffs R.R. bYls 
Lake Erie & Western Railroad bonds, 
Lake Shore & Michigan Southern Ry. bonds, 
Memphis & Charleston Railroad bonds, . 
Metropolitan Elevated Railway bonds, . 
Metropolitan Street Railway bonds, 
Michigan Central Railroad bonds, . 
Milwaukee City Railroad bonds, 
Milwaukee, Lake Shore & Western R.R bonds 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Street Railway bonds, . 
Mobile & Girard Railroad bonds, 
Mobile & Ohio Railroad bonds, 
Montgomery & Eufaula Railroad bonds, . 
Morgan's Louisiana & Texas Railroad bonds, 
Nashville & Decatur Railroad bonds, 
Nashville, Chattanooga & St. Louis R.R. b'ds 
New York, Chicago & St. Louis Ry. bonds, 



Cost. 

$321,319 20 
233,825 00 
229,835 00 

42,492 40 
222,120 00 
156,980 80 

50,065 00 
106,000 00 
376,689 60 

66,629 60 
102,360 00 
543,730 00 
137,980 40 
294,000 00 

91,845 60 
285,300 00 
620,510 00 
236,450 00 
146,790 80 
244,125 00 
445,974 40 
554,350 00 

52,475 00 
761,694 60 
122,555 50 
446,640 00 
200,076 80 

92,625 00 
260,625 00 

99,972 60 

510,355 00 

250,000 00 

1,095,100 00 

216,760 00 

85,470 00 
496,500 00 
814,000 00 

61,882 20 
219,465 83 
201,245 10 
181,649 60 
377,375 00 
205,745 20 
204,480 00 
264,575 00 
464,657 70 
340,672 20 
327,000 00 



Market Value. 

$356,552 20 
253,125 00 
237,123 50 

44,616 90 
239,840 00 
164,000 00 

50,000 00 
106,445 20 
483,948 90 

67,554 60 

75,000 00 
556,875 00 
138,360 00 
304,500 00 
100,354 10 
256,250 00 
621.500 00 
258,750 00 
130,650 00 
141,675 00 
455,629 00 
595,000 00 

59,415 00 
811,554 60 
125,729 50 
494,571 00 
235,200 00 

92,625 00 

97,500 00 
106,433 60 
558,000 00 
281,250 00 
1,225,800 00 
228,000 00 

88,500 00 
496,500 00 
854,520 GO 

62,260 40 
248,960 00 
220,661 40 
193,424 00 
361,000 00 
220,605 00 
204,000 00 
306,875 00 
456,785 00 
388,193 40 
333,540 00 



116 



THE MUTUAL LIFE INSURANCE COMPANY. 



New York Elevated Railway bonds, 
New York, New Haven & Hartford R.R. b'ds, 
New York, Pennsylvania & Ohio R.R. bonds, . 
Ohio & Mississippi Railroad bonds, . 
Pittsburgh & Western Railroad bonds, . 
Pittsburgh Junction Railroad bonds, 
Pittsburgh, Painesville & Fairport R.R. bonds, 
Richmond, York River & Chesapeake R.R. b'ds, 
Richmond & Danville Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds, 
Rutland Railroad bonds, .... 
San Antonio & Aransas Pass Railway bonds, 
St. Louis, Kansas City & Northern R.R. bonds 
St. Paul & Duluth Railway bonds, . 
St. Paul City Railway bonds, . 
St. Paul & Northern Pacific Railroad bonds, 
Seaboard & Roanoke Railroad bonds, 
Staten Island Rapid Transit Railroad bonds, 
South Carolina & Georgia Railroad bonds, 
South Georgia & Florida Railroad bonds, 
South Side of Virginia Railroad bonds, . 
Syracuse, Binghamton & New York R R. b'ds 
Texas & New Orleans Railroad bonds, . 
Texas & Pacific Railroad bonds, 
Union Railway bonds, ...» 
United Traction & Electric Company bonds, 
Virginia Midland Railway bonds, . 
Virginia & Tennessee Railroad bonds, 
Wabash Railroad bonds, .... 
Warren & Franklin Railroad bonds, 
Western Railroad of Alabama bonds, 
Wheeling & Lake Erie Railroad bonds, . 
Brooklyn & New York Ferry Company bonds, 
Citizens' Gas Light Company bonds, 
Duluth Union Depot Company bonds, 
Elmira Municipal Improvement Co. bonds, 
Equitable Gas Light Company bonds, 
Laclede Gas Light Company bonds, 
Long Branch Water Company bonds, 
Metropolitan Opera & Real Estate Co. bonds 
Minneapolis Gas Light Company bonds, . 
Municipal Gas Light Company bonds, 
National Water Works Company bonds, . 
Ocean Steamship Company bonds, . 
Sharon Estate Company bonds, 
United States Mortgage Company bonds, 
Western Union Telegraph Company bonds, 



Cost. 

182,336 10 
713,871 86 

55,055 00 

97,409 60 
401,950 00 
400,000 00 
114,967 40 
588,229 76 
556,000 00 
408,697 80 
539,905 00 
414,558 00 

43,546 10 
105,400 00 
295,709 40 
158,672 40 
401,920 00 

23,001 30 
482,466 60 
110,536 50 

34,000 00 
267,512 00 
662,076 20 

92,234 86 
403,487 50 
237,750 00 
259,200 00 

74,253 30 

1,003,600 00 

102,140 00 

1,546,857 50 

235,975 00 

68,778 00 

50,045 00 
308,670 00 
127,294 33 
529,000 00 
414,250 00 
101,370 00 
915,300 00 
207,880 00 

26,778 60 

132,000 00 

488,315 40 

1,200,000 00 

1,004,559 00 

614,957 50 



Market Value, 

$82,775 00* 
816,000 00 

56,232 00 

98,384 80 
410,000 00 
466,080 00 
109,150 00 
586,390 00 
590,000 00 
436,815 00 
540,405 00 
297,000 00 

44,861 90 
111,080 00 
338,490 90 
162,122 40 
398,000 00 

22,365 00 
486,873 90 
112,187 80 

34,476 00 
308,590 80 
674,908 80 

86,420 00 
418,320 00 
241,675 00 
280,000 00 

73,583 00 

1,048,300 00 

105,060 00 

1,564,293 40 

253,125 00 

68,778 00 

50,670 00 
312,420 00 
127,294 33 
555,850 00 
469,150 00 
103,040 00 
922,770 00 
211,880 00 

27,000 00 

132,000 00 

464,550 00 

1,215,000 00 

1,023,830 00 

646,170 00 



$78,547,639 77 $83,970,690 67 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



117 



"THE MUTUAL BENEFIT LIFE INSURANCE COMPANY," 

NEWARK, N.J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 



Income. 

Cash received for premiums on new policies, 

Cash received for renewal premiums, 

Premium notes received for new policies, 

Premium notes received for renewals, 

Dividends applied to pay running* premiums, 

Dividends applied to purchase paid-up additions and annuities 

Surrender values applied to pay running premiums, 

Surrender values applied to purchase paid-up insurance and 

annuities, . . , . . 
Received for annuities, 

Total, 

Cash received for interest, ..... 
as discount on claims paid in advance, 
for rents of company's property, 
Premium notes or loans restored, .... 



Total income, . . . . . . . 

Net or ledger assets Dec. 31, 1893, .... 

Total, . 

Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 



$772,404 89 

4,423,561 68 

86,685 02 

458,125 67 

1,164,737 22 

258,384 04 

17,222 01 

388,381 11 
56,650 77 

57,626,152 41 

2,721,593 70 

510 02 

45,311 70 

6,528 45 

$10,400,096 28 
. 51,553,678 37 

161,953,774 65 



$3,342,167 90 

138,648 62 

203,532 38 

4,963 16 



Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 

policies, $212,904 35; voided by lapse, $ 35,927.45, 
Premium notes or loans used in payment of dividends to 

policy-holders, . 

Cash dividends paid policy-holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, .... 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, . 

Total paid policy-holders, ..... 



$3,689,312 06 
36,511 32 

248,831 80 

14,033 08 

237,109 82 

1,164,737 22 

258,384 04 

690,093 84 

17,222 01 

388,381 11 
$6,744,616 30 



118 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Cash paid for commissions to agents, new policies, $383,294.68 ; 

renewals, $391,146.84 

for salaries and allowances to managers and agents 
for medical examiners 1 fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, ..... 
for taxes on reserves, $13,510.26; on investments 

$118,667.59, 

for fees, licenses, etc., 

for advertising and printing, .... 

for real estate expenses, 

for incidentals and legal expenses, . 

for profit and loss account, .... 



Total disbursements, . 



*774,441 52 

18,566 55 

81,648 26 

169,612 53 

86,311 16 

132,177 85 

10,751 74 

28,399 66 

33,528 15 

63,795 73 

63,681 84 



Balance, 



58,207,531 29 
$53,746,243 36 



Invested in the following : — 



Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Premiums in transit (since received), 

Agents' ledger balances, . 

Ledger assets (as per balance), 



$1,358,631 80 

30,459,371 97 

2,600,500 00 

1,957,040 36 

4,343,009 19 

12,146,319 91 

121,409 00 

586,207 49 

166,224 99 

7,528 65 

$53,746,243 36 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over par, .... 

New Business. Renewals. 

Uncollected premiums on policies 

in force, ...... $76,216 27 $162,415 01 

Deferred premiums on policies in , 

force, 99,909 07 432,001 26 



Total, .... 
Deduct loading (20 per cent.), 



$176,125 34 |594,416 27 
. 35,225 07 118,883 25 



Net amount of uncollected and de- 
ferred premiums, . . . $140,900 27 $475,533 02 



920,326 65 
381,385 00 



Total assets, per company's books, . 



616,433 29 
f55,664,388 30 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 119 

Items not admitted. 
Agents' balances, $7,528 65 



Total admitted assets, . . . . . . $55,656,859 65 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $51,305,978 00 

Death losses and matured endowments in proc- 
ess of adjustment, . . . . . . $192,210 87 

Claims resisted by the company, . . . 17,000 00 

Total policy claims, 209,210 87 

Unpaid dividends of surplus due policy-holders, . . . 293,82-1 06 

Premiums paid in advance, . 4,006 62 



Liabilities as to policy-holders, . .... $51,813,019 55 
Surplus as regards policy-holders, ...„., 3,843,840 10 



Gross liabilities,. . $55,656,859 65 

Pkemium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $4,325,771 69 

received during 1894, . . . 544,810 69 

restored by revival of policies, 6,528 45 

Total, . ■■ — - $4,877,110 83 

Used in payment of losses and claims, . . $143,611 78 

Used in payment of surrendered policies, . 212,904 35 

Voided by lapse, ...... 35,927 45 

Used in payment of dividends to policy-holders, 14,033 08 

Redeemed by maker in cash, .... 127,624 98 

Total, ........ _— ~_ 531,101 64 

Balance note assets Dec. 31, 1894, . . . . $4,343,009 19 

Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 55,888 $148,553,505 00 

Endowment, . . . 17,380 41,706,019 00 

All other, .... 4,225 10,683,126 00 

Reversionary additions, . - 1,334,100 00 

— 77,493 $202,276,750 00 

Policies issued during the Year. 
Whole life, . . . 8,166 $19,808,476 00 
Endowment, . . . 2,615 5,811,817 00 
Allother,. . . . 1,688 4,452,932 00 

— 12,469 30,073,225 00 



120 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

Number. 

47 
15 



Amount. 

130,500 00 
35,000 00 
5,000 00 



Total No. 



Total Amount. 



63 $170,500 00 



Old Policies increased. 



Whole life, 
Endowment, 

Additions by dividends, . 
Total, . 



15 
17 



$44,895 00 
18,020 00 



32 62,915 00 

515,771 00 

90,057 $233,099,161 00 



Policies terminated during the Tear. 



Whole life, 


. 6,177 


$16,022,715 00 


Endowment, 


. 2,125 


4,833,931 00 


All other, . 


. 1,011 


2,872,987 00 




9,313 


$23,729,633 00 




How terminated. 


By death, . 


. 1,091 


$3,484,733 00 


maturity, 


126 


216,031 00 


expiry, 


797 


2,242,157 00 


surrender, . 


. 3,285 


8,950,909 00 


lapse, . 


. 2,409 


5,306,998 00 


Not taken, . 


. 1,605 


3,528,805 00 
. . 9,313 23,729,633 0C 



Policies in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



57,939 $152,514,661 00 

17,902 42,736,925 00 

4,903 12,398,300 00 

1,719,642 00 



80,744 $209,369,528 00 



Schedule A. 

Securities held as Collateral. 



National State Bank, Newark, stock, 
National Newark Banking Co., Newark, stock, 
Merchants' Fire Insurance Co., Newark, stock, 
Firemen's Insurance Co., Newark, stock, 



Market Value. Amount Loaned. 

$750 00 >| 



1,020 00 ' 



2,310 00 ! 
615 00 J 



), $4,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



121 



Essex County National Bank, Newark, stock, 
Newark City National Bank, Newark, stock, 
National Newark Banking Co., Newark, stock 
Second National Bank, Newark, stock, . 
National State Bank, Newark, stock, 
Manufacturers' National Bank, Newark, stock 
Merchants 1 National Bank, Newark, stock, 
American Insurance Company, Newark, scrip 
Citizens' Gas Light Company, Newark, stock 
Morris & Essex Railroad bonds, 
Citizens' Gas Light Company, Newark, stock 
Kansas City Elevated Railroad bonds, 
Wabash Railroad bonds, .... 
Chicago & Northwestern Railroad Co stock, 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Consolidated Gas Company, New York, stock 
National Bank of Commerce, New York, stock 
Chicago, Burlington & Quincy Railroad stock 
Jefferson, Madison & Indianapolis R R. bonds 
Columbus, Hocking Val. & Toledo R.R. bonds 
Chesapeake & Ohio Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Louisville, Cincinnati & Lexington R.R. bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Delaware & Hudson Canal Co. stock, 
Consolidated Gas Company, New York, stock 
Lake Erie & Western Railroad stock, 
St. Paul & Duluth Railroad stock, . 
Houston & Texas Central Railroad bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Mutual Union Telegraph Company bonds, 
Chicago, Milwaukee & St. Paul Railroad stock 
Canada Southern Railroad stock, 
Virginia Midland Railroad bonds, . 
Southern Railway Co. bonds, . 
Manhattan Elevated Railroad stock, 
Great Northern Railroad Company stock, 
Lake Erie & Western Railroad stock, 
Chicago, Milwaukee & St. Paul R R. bonds, 
Chicago, June. Railway & Stock Yards bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, St. Paul, Minn. & Omaha R.R bonds 
Texas & Pacific Railroad bonds, 
Consolidated Gas Company stock, New York 
Western Union Telegraph Company stock, 
Lake Erie & Western Railroad stock, 
Chicago & Northwestern Railroad stock, 



$45,000 00 



4,500 00 

50,000 00 

200,000 00 

10,000 00 



100,000 00 



Market Value. Amount Loaned. 

$12,500 00^ 
15,500 00 ' 

6,800 00 

2,800 00 

6,225 00 )> 

4,440 00 

2,340 00 
12,480 00 
10,750 00 ^ 

7,810 00 
86,000 00 
220,000 00 
12,480 00 
19,400 00 >> 
30,600 00 
21,300 00 

6,550 00 

2,700 00 

6,319 00 

6,000 00 

4,450 00 
11,660 00 

7,800 00 

2,000 00 

6,180 00 J 
18,900 00 >> 
40,610 00 

7,100 00 

8,500 00 j. 
31,270 00 

8,080 00 
11,100 00 J 
11,700 00^| 

4,900 00 { 

9,500 00 

4,550 00 J 
10,500 00 >| 
51,000 00 
28,400 00 
10,900 00 
12,840 00 

1,230 00 

1,250 00 

7,740 00 >* 
52,400 00^1 
52,200 00 J 

7,100 oo [ 100,00000 

9,700 00 J 



100,000 00 



} 25,000 00 



j. 100,000 00 



122 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Lake Shore & Michigan Southern R.R. stock, 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Central and South American Tel. Co. stock, 
Delaware and Hudson Canal Company stock 
Great Northern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Bur., Cedar Rapids & Northern R.R. bonds, 
Cairo, Arkansas & Texas Railroad bonds, 
Long Dock Company bonds, 
St. Louis & Iron Mountain Railroad bonds, 
Belleville & Eldorado Railroad bonds, 
Cleve , Cin., Chic. & St. Louis R.R. bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Belleville & Southern Illinois R.R. stock, 
St. Paul & Duluth Railroad stock, . 
Rio Grande Western Railroad stock, 
Chicago & Alton Railroad stock, 
Chic, Milwaukee & St. Paul Railroad stock, 
Edison Electric Illuminating Co. stock, N. Y 
New York & Harlem Railroad Co. stock, 
New York, New Haven & Hart. R.R. stock, 
Bank of New York stock, 
Manhattan Elevated Railroad Co. stock, . 
United New Jersey R.R. & Canal Co. stock, 
Southern Railway Company bonds, . 
Chicago & Northwestern Railroad stock, 
Lake Erie & Western Railroad stock, 
Southern Railway Company bonds, 
City of Newark bonds, .... 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Consolidated Gas Company stock, New York 
Chicago, Burlington & Northern R.R. bonds, 
Chic, St. Paul, Min. & Omaha R.R. bonds, 
Chicago June Railway and Stock Yards bonds 
Colorado Coal and Iron Company bonds, 
St. Paul, Min. & Manitoba Railroad bonds, 
St. Paul Terminal Railroad bonds, . 
Oregon Railway and Navigation Co. bonds, 
Vicksburg & Meriden Railroad bonds, 
Rio Grande Western Railroad bonds, 
Jersey City bond, ..... 
City of Quincy, 111., bond, 
City of Mobile, Ala., bond, 
Lake Erie & Western Railroad bonds, 
City of Newark bonds, .... 
Cleve., Cin., Chic. & St, Louis R.R. bonds, 



Market Value. 

$19,950 00 
51,000 00 
35,500 00 
23,000 00 
25,200 00 
10,200 00 \ 
11,700 00 
7,600 00 
2,940 00 
1,250 00 
1,060 00 J 
18,000 00 ^ 
19,800 00 
1,170 00 
81,000 00 
8,500 00 }> 
60,000 00 ' 
7,300 00 
11,700 00 
5,000 00 J 
25,000 00"^ 
24,700 00 
7,820 00 
10,500 00 
23,000 00 
32,760 00 J 
38,800 00 
21,300 00 
63,700 00 
120,000 00 
40,800 001 
35,500 00 
6,550 00 
1,040 00 ! 
1,250 00 
3,210 00 
1,900 00 
2,380 00 
11,100 00 
11,000 00 
1,800 00 
700 00 
1,100 00 
1,000 00 
800 00 
5,250 00 
100,000 00 
20,700 00 



Amount Loaned. 



$150,000 00 



150,000 00 



100,000 00 

100,000 00 
100,000 00 



J. 100,000 00 



100,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



123 



United States bonds, .... 

Great Northern Railroad stock, . . 
Lake Erie & Western Railroad stock, 
Central Railroad of New Jersey stock, . 
Chic, Rock Island & Pacific Railroad stock, 
St. Paul, Min. & Manitoba Railroad stock, 
Louisville, New Albany & Chic. R.R. bonds, 
Pullman's Palace Car Company stock, 
Great Northern Railroad Company stock, 
Lake Erie & Western Railroad stock, 
Western Union Telegraph Company stock, 
Chic, Rock Island & Pacific Railroad stock, 
St. Louis & Iron Mountain Railroad bonds, 
St. Louis Southwestern Railroad bonds, . 
Morgan's Louisiana & Texas Railroad bonds 
Rio Grande Western Railroad bonds, 
Long Dock Company bonds, 
Winona & St. Peters Railroad bonds, 
St. L., Kan. City & North. St. Char. Br. Co. bds. 
Canada Southern Railroad bonds, . 
Northern Pacific Terminal bonds, . 
Wabash Railroad Company bonds, . 
St. Louis & Iron Mountain Railroad bonds, 
Boston, Hoosac Tunnel & Western R.R. bonds 
Chicago & Alton Railroad stock, 
Chicago & Eastern Illinois Railroad stock, 
Illinois Central Railroad stock, 
Chicago, Milwaukee & St. Paul Railroad stock 
Chicago, Rock Island & Pacific Railroad stock 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Pullman's Palace Car Conrpany stock, . 
St. Louis & Iron Mountain Railroad bonds, 
Central Railroad of New Jersey bonds, . 
Knoxville & Ohio Railroad bonds, . 
Missouri Pacific Railroad bonds, 
Great Northern Railroad stock, 
Central Railroad of New Jersey stock, . 
Lake Erie & Western Railroad stock, 
Western Union Telegraph Company stock, 
St. Paul, Minn. & Manitoba Railroad bonds, 
Indiana, Bloomington & Western R R. bonds 
Missouri Pacific Railroad Company bonds, 
New York Elevated Railroad Company bonds 
St. Louis & Iron Mountain Railroad bonds, 
Pittsburgh & Western Railroad bonds, . 
Kentucky Central Railroad Company bonds, 
Chicago, Burlington & Quincy Railroad bonds 



} 100,000 00 



} 100,000 00 



} 100,000 00 



Market Value. Amount Loaned. 

$351,000 00 $300,000 00 
40,800 00 ^ 
28,400 00 
26,700 00 

6,100 00 
10,900 00 
11,560 00 J 
30,800 00 ^ 
30,600 00 
35,500 00 

8,700 00 

6,100 00 
13,260 00 J 
15,250 00 >| 
18,240 00 

7,000 00 

5,000 00 

3,840 00 

5,250 00 

1,120 00 

6,860 00 

2,100 00 

1.560 00 
3,030 00 

16,700 00 
9,200 00 

5.561 00 
11,700 00 
12,200 00 J 
40,800 00^ 
35,500 00 
15,400 00 
21,840 00 \ 100,000 00 

5,700 00 ' 

3,450 00 

2,100 00 
30,600 00 
17,800 00 
28,400 00 

4,350 00 

6,000 00 j- 100,000 00 

2,200 00 

5,400 00 
22,200 00 

7,800 00 
21,250 00) 

21,000 00 > 50,000 00 
20,600 00^ 



124 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Chicago, Rock Island & Pacific Railroad stock, 

Manhattan Elevated Railroad stock, 

Chicago & Alton Railroad stock, 

St. Louis Southwestern Railroad bonds, 

Wabash Railroad Company bonds, . 

Pittsburgh & Western Railroad bonds, 

Rio Grande Western Railroad bonds, 

City of St. Louis bonds, . 

Denver & Rio Grande Railroad bonds, 

Chicago, Rock Island & Pacific Railroad bonds, 

Illinois Central Railroad bonds, 



Market Value. Amount Loaned. 

$33,550 00^ 
52,500 00 I 
31,828 00 J- |100,000 00 

3,050 00 j 

3,500 00 J 
40,000 00^ 
21,000 00 ] 
10,500 00 ]> 100,000 00 

8,000 00 | 
46,800 00 J 
15,000 00 12,000 00 



1,249,928 00|2,600,500 00 



Schedule B. 



Bonds owned by the 

United States bonds, . 

Essex County, N. J., bonds, 

Union County, N. J., bonds, 

Buchanan County, Mo., bonds, . 

Lincoln County, Mo., bonds, 

Pettis County, Mo., bonds, 

Uinta County, Wyoming, bonds, 

Mercer County, N. J., bonds, . 

Elizabeth City County, Va , bonds, 

Doniphan County, Kan , bonds, 

City of Newark, N. J., bonds, . 

City of Orange, N. J., bonds, . 

City of New Brunswick, N. J., bonds, 

City of Elizabeth, N. J., bonds, 

City of Rahway, N. J., bonds, 

City of South Bend, Ind., bonds, 

City of Lafayette, Ind., bonds, 

City of Springfield, 111., bonds, 

City of Toledo, Ohio, bonds, . 

City of Columbus, Ohio, bonds, 

City of Sandusky, Ohio, bonds, 

City of Cleveland, Ohio, bonds, 

City of Sedalia, Mo., bonds, 

City of Saginaw, Mich., bonds, . 

City of Colorado Springs, Col., bonds, 

Township of West Orange, N. J., bonds, 

Township of Montclair, N. J., bonds, 

Township of Millburn, N. J., bonds, 

Township of East Orange, N. J., bonds, 

Colorado State Warrants, . 

Hoboken Land & Improvement Co. bonds, 



Company. 

Par Value. 

$308,000 00 

1,058,000 00 

4,000 00 

450,000 00 

148,000 00 

99,500 00 

52,000 00 

15,000 00 

12,000 00 

370,000 00 

1,292,000 00 

60,000 00 

14,000 00 

1,064,000 00 

95,401 33 

138,000 00 

160,000 00 

114,300 00 

45,000 00 

41,000 00 

10,000 00 

50,000 00 

54,500 00 

100,000 00 

50,000 00 

128,500 00 

285,000 00 

42,000 00 

244,717 07 

49,401 51 

100,000 00 



Market Value. 

$356,290 00 

1,121,310 00 

4,000 00 

450,000 00 

148,000 00 

99,500 00 

52,000 00 

15,000 00 

12,000 00 

370,000 00 

1,292,000 00 

62,900 00 

14,140 00 

1,064,000 00 

95,401 33 

138,000 00 

162,400 00 

114,300 00 

45,000 00 

41,000 00 

10,000 00 

50,000 00 

54,500 00 

100,000 00 

51,500 00 

139,385 00 

285,000 00 

42,000 00 

244,717 07 

49,401 51 

101,000 00 



NATIONAL LIFE INSURANCE COMPANY. 



125 



Hackensack, N. J., Water Company bonds, 
Elizabethtown Water Company bonds, . 
Grand Rapids and Indiana Railroad bonds, 
Belvidere Delaware Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Perth Amboy & Woodbridge Railroad bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 
Freehold & Jamesburg Agrkflt'ral R.R. bonds 
Shamokin, Sunbury & Lewisburg R R. bonds 
Wilkesbarre & Scranton Railroad bonds, 
New York, Susquehanna & Western R.R. b'ds. 
Phila., Wilmington & Baltimore R R bonds, 
Philadelphia & Erie Railroad bonds, 
Cleveland & Canton Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
West Shore bonds, . 
Saginaw & Western Railroad bonds, 
Morris & Essex Railroad bonds, 
New York, Lackawanna & Western R.R. b'ds 
Lehigh Valley Railroad bonds, 
Lehigh Valley Terminal Railroad bonds, 
Rio Grande Western Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Pittsburg, Cincinnati & St. Louis R R. bonds, 
The Long Dock Company bonds, 
Baltimore & New York Railroad bonds, . 
Elizabethtown Gas Light Company bonds, 
Rapid Transit Street Railroad bonds, 
Kansas City Elevated Railroad bonds, 
United New Jersey R.R. & Canal Co. bonds, 
Chicago & Northwestern Railroad bonds,. 
St. Louis, Alton & Terre Haute R.R. bonds, 
Lon£ Island Railroad bonds, . 



Par Value. 

$200,000 00 

15,000 00 

50,000 00 
750,000 00 
250,000 00 
100,000 00 
250,000 00 
100,000 00 
100,000 00 

40,000 00 
100,000 00 
150,000 00 
250,000 00 
500,000 00 

50,000 00 

50,000 00 
200,000 00 

25,000 00 
300,000 00 

50,000 00 
150,000 00 
200,000 00 
150,000 00 

65,000 00 
100,000 00 
310,000 00 
253,000 00 
100,000 00 

94,000 00 
230,000 00 
150,000 00 

36,000 00 
100,000 00 

24,000 00 



Market Value. 

$208,000 00 

13,500 00 

55,000 00 
750,000 00 
249,000 00 
100,000 00 
281,250 00 
102,000 00 
100,000 00 

42,000 00 
100,000 00 
160,000 00 
250,000 00 
500,000 00 

41,000 00 

22,000 00 
206,000 00 

12,500 00 
417,000 00 

57,250 00 
153,000 00 
216,000 00 
102,750 00 

66,950 00 
112,000 00 
401,450 00 
263,120 00 
100,000 00 

94,940 00 
230,000 00 
164,750 00 

39,420 00 
104,000 00 

28,080 00 



$12,146,319 91 $12,527,704 91 



"NATIONAL LIFE INSURANCE COMPANY," MONTPELIER, 

VERMONT. 

[Incorporated Nov. 13, 1848, Commenced business Feb. 1, 1850.] 

Charles Dewey, President. Geo. W. Reed, Secretary. 

Income. 

Cash received for premiums on new policies, .... f 394,328 55 

. 1,746,478 50 

-..-.. 212,507 64 



Cash received for renewal premiums, 
Premium notes received for renewals, 



126 



NATIONAL LIFE INSURANCE COMPANY. 



Dividends applied to pay running premiums, .... $84,936 70 
Dividends applied to purchase paid-up additions and annui- 
ties, • 1,569 20 

Surrender values applied to purchase paid-up insurance and 

annuities, .......... 32,881 03 



Total, $2,472,701 62 

Cash, received for interest, . . . (l . . 446,465 92 

Cash received for rents of company's property, . . . 12,154 96 



Total income, 

Net or ledger assets Dec. 31, 1893, 

Total, . 

Disbursements. 
Cash paid for losses and additions, . . . 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Premium notes or loans used in purchase of surrendered pol 

icies, 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions and an 
nuities, ....... 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



. $2,931,322 50 
. 9,132,092 05 

$12,063,414 55 



Total paid policy-holders, . 
Cash paid for commissions to agents, new policies,$232,334.23 

renewals, $160.632.03, 

for salaries and allowances to managers and agents 
for medical examiners' fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on new premiums, $7,377.33 ; on renewals 

$29,140 61, .... 
for taxes on reserves, $6,230.78 ; on investments 

12,772.26, .... 
for fees, licenses, etc., 
for rent, 

for furniture and office fixtures, 
for advertising and printing, . 
for real estate expenses, c 
for legal expenses, , 
for incidentals, .... 

Total disbursements, .... 

Balance, , , , « ■ • , 



|473,478 37 

3,279 86 

70,833 01 

$547,591 24 

25,897 25 
35,673 91 
84,936 70 

1,569 20 
478,057 99 

32,881 03 
|1,206,607 32 

392,966 26 
40,398 64 
34,197 07 
41,861 74 

36,517 94 

19,003 04 
4,046 53 

26,801 35 
8,848 10 

26,407 38 
4,460 90 
2,669 61 

12,993 07 

$1,857,778 95 
fl0,205,635 60 



NATIONAL LIFE INSURANCE COMPANY. 



127 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, ...... 

Agents 1 ledger balances, • 

Ledger assets (as per balance), 



$633,121 26 

4,451,520 70 

152,218 33 

901,155 87 

257,259 65 

3,581,199 92 

9,008 08 

219,772 27 

379 52 



110,205,635 60 



Other Assets. 

Interest due and accrued, 272,248 42 

Market value of stocks and bonds, over par, .... 139,096 41 



New Business. 



Renewals. 



Uncollected premiums on policies 

in force, $110,249 75 f 216,341 51 

Deferred premiums on policies in 

force, . . . . . . 44,165 92 166,706 91 



Total, $154,415 67 $383,048 42 

Deduct loading (20 per cent), . 30,883 13 76,609 68 



Net amount of uncollected and de- 
ferred premiums, . . . $123,532 54 $306,438 74 



. Total assets, per company's books, . , 



429,971 28 



.1,016,951 71 



Items not admitted. 



Agents' balances, 

Total admitted assets, 



379 52 



1,046,572 19 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . . 
Death losses and matured endowments in proc- 
ess of adjustment, $2,118 13 

Claims resisted by the company, . . . 17,000 00 

Total policy claims, — -— 

Unpaid dividends of surplus due policy-holders, . 
Premiums paid in advance, . , , 



1,281,351 00 



19,118 13 

8,295 68 

614 58 



128 



NATIONAL LIFE INSURANCE COMPANY. 



Balance clue on surrendered policies, 

Extra reserve on life-rate endowment policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



$15,791 66 
354,216 54 



^9,679,387 59 
1,367,184 60 



$11,046,572 19 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
Premium notes received during 1894, 

Total, . . .' . . 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Redeemed by maker in cash, . 

Total, . 

Balance note assets Dec. 31, 1894, 



$206,319 60 
212,507 64 

$3,279 86 

25,897 25 

132,390 48 



$418,827 24 



161,567 59 



$257,259 65 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 51, 1893. 

Number. Amount. Total Number. Total Amount. 

. 18,614 $46,303,894 00 

. 9,509 14,617,291 00 

221 646,100 00 

65,328 00 

— 28,344 $61,632,613 00 



Policies issued during the Year. 



Whole life, 


. 4,872 


$10,936,326 00 




Endowment, 


. 1,623 


2,971,970 00 




All other, . 


248 


710,750 00 




• 


> 


6,743 


14,619,046 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Old Policies revived. 
45 $107,000 00 



Additions by dividends, . 
Total, .oi. 



24 32,500 00 






1 5,000 00 








70 


144,500 00 




Policies increased. 






$3,000 00 






500 00 






_ » 


- 


3,500 00 


i '• « . > ■ • 


- 


2,870 00 


• ♦ « • • 


35,157 


$76,402,529 00 






NATIONAL LIFE INSURANCE COMPANY. 



129 



Policies terminated during the Tear, i 







Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


t c 


3,412 


$ 8,504,194 00 




Endowment, 


. 


1,446 


2,559,730 00 




Ail other, , 


• 


113 


362,655 00 






4,971 


$11,426,579 00 








How terminated. 




By death, . 


. 


224 


$477,925 00 




maturity, 


. 


43 


64,333 00 




expiry, 


« 


62 


157,000 00 




surrender, . 


. 


1,642 


3,753,541 00 




lapse, . 





1,912 


4,298,000 00 




change and deci 


■ease, . 


43 


330,601 00 




Not taken, . 


• e 


1,045 


2,345,179 00 


$11,426,579 00 










Policies in Force Dec. 31, 1894. 




Whole life, 


• s 


20,119 


$48,846,026 00 




Endowment, 


. 


9,710 


15,062,531 00 




All other, . 


« I 


357 


1,004,750 00 





Reversionary additions, 



62,643 00 



30,186 f64,975,950 00 



Schedule A, 

Securities held as Collateral. 



National Car Company stock, St Albans, Vt. 
Lane Manufacturing Co. stock, Montpelier, Vt. 
Mortgage notes, St. Albans, Vt., 
110 shares Gordon Orchard & Viney'd Co., Cai. 
160 shares Banner Vineyard Co., California, 
Gordon Orchard & Viney'd Co., notes endorsed 
Grangeville Vineyard Co., CaL, notes endorsed 
Otoe, Woodbury Connty, la., school bonds, 
Vermont Marble Co. bonds, Proctor, Vt, 
Note, personal security, , 
Sheldon Marble Company bonds, Rutland, Vt 
Neshobe Electric Co., Brandon, Vt., stock, 



Market Value. 

$7,500 00 

75,250 00 

831 00 



Amount Loaned. 

$5,000 00 

33,500 00 

730 00 



6,800 00 
4,500 00 
4,000 00 
2,625 00 

51,600 00 
9,000 00 

30,000 00 
8,000 00 



) 



} 17,500 00 

S 

J 

2,488 33 

50,000 00 
9,000 00 

29,500 00 
4,500 00 



$205,606 00 $152,218 33 



Schedule B. 
Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

First National Bank, Montpelier, Vt, stock, . f 20,800 00 $20,800 00 

Montpelier Natl Bank, Montpelier, Vt , stock, 1,700 00 2,975 00 

United States bonds, , , . , , 105,000 00 118,650 00 



130 NATIONAL LIFE INSURANCE COMPANY. 

Par Value. Market Value. 

New Hampshire State bonds, . $11,000 00 $18,116 40 

City of Burlington, Vt., bonds, . . . 25,000 00 26,175 00 

City of Vergennes, Vt., bonds, . . . 3,500 00 3,525 20 

Town of Arlington, Vt., bonds, . . . 15,000 00 15,498 00 

Town of Bakersfield, Vt,, bonds, . . . 3,000 00 3,044 40 

Town of Barre, Vt., bonds, . . . . 5,000 00 5,054 50 

Town of Brighton, Vt., bonds, .... 12,500 00 13,061 25 

Town of Essex, Vt., bonds, .... 1,000 00 1,031 60 

Town of Green sborough, Vt., bonds, . . 3,500 00 3,628 45 

Town of Highgate, Vt., bonds, . . . 18,000 00 18,577 80 

Town of Jamaica, Vt., bonds, . 12,000 00 12,803 40 

Town of Jay, Vt., bonds, ..... 3,000 00 3,109 80 

Town of Jericho, Vt., bonds, .... 3,000 00 3,043 20 

Town of Montpelier, Vt., bonds, . . . 36,000 00 36,167 60 

Town of Mount Tabor, Vt., bonds, . . . 6,000 00 6,317 40 

Town of Newfane, Vt, bonds, .... 12,000 00 12,400 00 

Town of Rutland, Vt., bonds, .... 7,842 00 7,985 43 

Town of Sheldon, Vt., bonds, .... 19,000 00 19,347 70 

Town of Swanton, Vt., bonds, .... 74,200 00 76,135 73 

Town of Townshend, Vt., bonds, . . . 13,000 00 13,431 60 

Town of Underhill, Vt., bonds, . . . 12,000 00 12,319 20 

Town of Woodstock, Vt., bonds, . . . 5,000 00 5,015 00 

Village of Barre, Vt., bonds, .... 45,000 00 45,621 00 

Village of Barton Landing, Vt., bonds, . . 12,800 00 13,405 44 

Village of Bradford, Vt., bonds, . . . 27,000 00 27,205 60 

Village of Brandon, Vt., bonds, . . . 21,000 00 21,159 60 

Village of Brattleboro\ Vt., bonds, . . . 3,500 00 3,512 25 

Village of North Troy, Vt., bonds, . . , 16,000 00 16,778 80 

Village of Richford, Vt., bonds, . . . 17,000 00 17,646 00 

Village of St. Albans, Vt., bonds, . . . 65,000 00 65,526 50 

Village of St. Johnsbury, Vt., bonds, . . 6,000 00 6,071 40 

Village of West Randolph, Vt., bonds, . . 8,000 00 8,265 60 

Barre, Vt., bonds, . * . . . . . 18,500 00 18,823 25 

Brattleboro 1 , Vt., bonds, -. .... 20,00000 20,31000 

Vermont Marble Company bonds, . . . 20,000 00 21,132 00 

City of Boston, Mass., bonds, . . . . 10,000 00 11,127 00 

City of Meriden, Conn., bonds, . . . 21,000 00 22,20110 

City of Long Branch, N. J., bonds, . ; . 20,000 00 20,180 00 

Town of Beaver, Pa., bonds, ..... 18,00000 18,74980 

Town of Rochester, Pa., bonds, . . . 16,000 00 16,504 00 

City of East Liverpool, Ohio, bonds, . . 20,000 00 20,830 00 

City of Fostoria, Ohio, bonds, .... 16,000 00 16,323 20 

City of Piqua, Ohio, bonds, .... 10,000 00 10,647 00 

City of Xenia, Ohio, bonds, .... 6,000 00 6,084 60 

Town of Wellston, Ohio, bonds, . . . 40,000 00 40,793 00 

Village of Bridgeport, Ohio, bonds, . . 25,000 00 26,255 00 

Village of Canton, Ohio, bonds, . . . 6,000 00 6,021 00 

Village of Leetonia, Ohio, bonds, . . . 7,500 00 7,632 00 



NATIONAL LIFE INSURANCE COMPANY. 



131 



Village of Lorain, Ohio, bonds, 
Village of Louisville, Ohio, bonds, 
Collin wood, Ohio, bonds, . 
Dennison, Ohio, bonds, 
Martins Ferry, Ohio, bonds, 
Ottawa, Ohio, bonds, 
Anderson, Ind,, bonds, 
Indianapolis, Ind., bonds, . 
Logansport, Ind., bonds, . 
City of Crystal Lake, 111., bonds, 
City of Irving Park, III., bonds, 
City of Springfield, 111., bonds, 
City of Woodstock, 111., bonds, 
Town of Monmouth, 111 , bonds, 
East St. Louis, 111., bonds, 
Rock Island, 111., bonds, . 
City of Huntington, W. Va., bonds, 
Paris, Ky., bonds, . 
City of Escanaba, Mich., bonds, 
City of Grand Haven, Mich , bonds, 
City of Hillsdale, Mich., bonds, 
City of Niles, Mich., bonds, 
City of St. Joseph, Mich., bonds, 
Village of Buchanan, Mich., bonds, 
Village of Clinton, Mich., bonds, 
Village of Tecumseh, Mich., bonds, 
Cheboygan, Mich., bonds, 
Frankfort, Mich., bonds, . 
Sanlt Ste. Marie,, Mich., bonds, 
West Ba}~, Mich , bonds, . 
County of Outagamie, Wis., bonds, 
City of Appleton, Wis., bonds, 
City of Fond du Lac, Wis., bonds, 
City of Merrill, Wis., bonds, . 
City of Reedsburg, Wis., bonds, 
Dalevan, Wis., bonds, 
County of Clarke, Iowa, bonds, 
County of Mahaska, Iowa, bonds, 
County of Shelby, Iowa, bonds, 
County of Webster, Iowa, bonds, 
City of Afton, Iowa, bonds, 
City of Bloomfield, Iowa, bonds, 
City of Burlington, Iowa, bonds, 
City of Carroll, Iowa, bonds, . 
City of Centerville, Iowa, bonds, 
City of Clinton, Iowa, bonds, . 
City of Corning, Iowa, bonds, . 
City of Creston, Iowa, bonds, . 



Par Value. 

|10,000 00 
18,000 00 
21,000 00 

4,500 00 
10,000 00 
20,000 00 

5,500 00 
12,000 00 
16,000 00 

5,000 00 

4,500 00 
18,200 00 
10,000 00 

5,000 00 
17,000 00 
25,000 00 
47,000 00 
25,000 00 
20,000 00 
13,000 00 

9,500 00 
14,000 00 
17,000 00 
10,000 00 

7,000 00 
15,000 00 
30,000 00 
15,000 00 
15,000 00 
11,000 00 
25,000 00 
15,000 00 
20,000 00 
15,500 00 
14,000 00 
27,500 00 
37,000 00 
25,000 00 
15,000 00 
15,000 00 

5,900 00 
14,000 00 

5,000 00 

5,000 00 
12,000 00 
28,500 00 
15,000 00 
14,000 00 



Market Value. 

|10,304 00 
18,774 00 
21,871 50 

4,627 80 
10,675 00 
20,728 00 

5,768 95 
12,061 20 
16,532 80 

5,323 50 

4,500 00 
19,089 98 
10,160 00 

5,120 50 
18,040 40 
25,270 00 
49,876 40 
26,475 00 
20,330 00 
13,270 40 

9,707 15 
14,834 20 
17,442 00 
10,590 00 

7,112 00 
15,499 50 
31,101 00 
15,390 00 
15,472 50 
11,236 50 
25,832 50 
15,208 50 
20,190 00 
15,655 00 
14,291 20 
27,855 75 
37,543 90 
25,275 00 
15,220 50 
15,193 50 

6,857 57 
14,364 00 

5,041 75 

5,000 00 
12,472 80 
29,622 90 
15,816 00 
14,151 20 



132 



NATIONAL LIFE INSURANCE COMPANY. 



City of Fort Dodge, Iowa, bonds, , 

City of Hampton, Iowa, bonds, 

City of Independence, Iowa, bonds, 

City of Marion, Iowa, bonds, . 

City of Nevada, Iowa, bonds, . 

City of North Des Moines, Iowa, bonds, 

City of Oskaloosa, Iowa, bonds, 

City of Shenandoah, Iowa, bonds, . 

City of Spencer, Iowa, bonds, . 

City of Webster, Iowa, bonds, . 

Town of Marengo, Iowa, bonds, 

Village of Indianola, Iowa, bonds, . 

Algona, Iowa, bonds, 

Carroll County, Iowa, bonds, . 

Cedar Rapids, Iowa, bonds, 

Eldora, Iowa, bonds, . 

Forest Home, Iowa, bonds, 

Griswold, Iowa, bonds, 

Newton, Iowa, bonds, 

Osceola, Iowa, bonds, 

Perry, Iowa, bonds, . 

Pock Rapids, Iowa, bonds, 

Sanborn, Iowa, bonds, 

Clinton County, Iowa, warrants, 

Sioux City, Iowa, warrants, 

City of Albert Lea, Minn., bonds, . 

City of Duluth, Minn., bonds, . 

City of La Sueur, Minn., bonds, 

City of Little Falls, Minn., bonds, . 

City of Minneapolis, Minn., bonds, . 

City of Stillwater, Minn., bonds, 

City of Winona, Minn., bonds, . 

Village of West Duluth, Minn., bonds, 

Douglas County, Minn., bonds, 

Duluth, Minn., bonds, 

Lake City, Minn , bonds, . 

Lyon County, Minn., bonds, 

State of Missouri bonds, . 

City of Hannibal, Mo., bonds, 

City of Joplin, Mo., bonds, 

City of Nevada, Mo., bonds, 

Clay County, Mo., school district bonds, 

County of Douglas, Neb., bonds, 

County of Dundy, Neb., bonds, 

City of Kearney, Neb., bonds, . 

City of Lincoln, Neb., bonds, , 

City of Omaha, Neb., bonds, 

City of Red Cloud, Neb., bonds, 



Par Value. 

$11,000 00 

13,000 00 

10,000 00 

22,000 00 

12,000 00 

5,000 00 

10,000 00 

20,000 00 

5,500 00 

13,000 00 

11,000 00 

13,000 00 

1,000 00 

7,000 00 

29,500 00 

12,000 00 

2,000 00 

4,000 00 

10,000 00 

3,500 00 

12,000 00 

5,000 00 

3,000 00 

2,782 06 

80,000 00 

32,000 00 

14,000 00 

2,000 00 

9,000 00 

3,500 00 

41,000 00 

3,000 00 

20,000 00 

•20,000 00 

20,000 00 

10,000 00 

9,000 00 

11,000 00 

20,000 00 

6,500 00 

5,000 00 

2,500 00 

20,000 00 

1,800 00 

35,000 00 

50,000 00 

20,000 00 

10,000 00 



Market Value. 

$11,118 80 
13,078 00 

10,108 00 

23,058 20 

12,333 60 

5.150 20 
10,297 00 
20,948 00 

5,676 00 

13,666 90 

11,506 00 

13,195 00 

1,000 00 

7,315 00 

29,830 40 

12,217 20 

2,095 40 

4,019 20 

10,108 00 

3,641 40 

12,192 00 

5.151 30 
3,181 50 
2,808 77 

80,768 00 

33,859 20 

15,066 80 

2.027 80 
9,310 20 
3,794 00 

43,320 60 

3.028 50 
21,112 00 
20,666 00 
21,584 00 
10,333 00 

9,187 20 

11,000 00 

21,080 00 

6,812 65 

5,117 50 

2,637 75 

21,952 00 

1,929 24 

36,571 50 

52,300 00 

21,358 00 

10,145 00 



NATIONAL LIFE INSURANCE COMPANY. 



133 



Village of North Bend, "Neb., bonds, 
Antelope County, Neb , bonds, . 
Aurora, Neb., bonds, .... 
Box Butte County, Neb., bonds, 
Cass County, Neb., bonds, 
Dawson County, Neb., bonds, . 
Harlan County, Neb., bonds, , 
Holt County, Neb., bonds, 
Howard County, Neb., bonds, . 
Jefferson County, Neb., bonds, 
Johnson County, Neb., bonds, . 
Kearney County, Neb., bonds, . 
Nance County, Neb., bonds, 
Oakdale, Neb., bonds, 
Saline County, Neb., bonds, 
Saunders County, Neb , bonds, 
State, County and Cit} T , Neb., warrants, 
County of Haskell, Kan., bonds, 
County of Seward, Kan., bonds, 
County of Wyandotte, Kan., bonds, . 
City of Newton, Kan., bonds, . 
Atchison County, Kan., bonds, . 
Barber County, Kan., bonds, . 
Cloud County, No. 2, Kan., bonds, . 
Coffeyville Kan., bonds, . 
Dickinson County, No. 113, Kan., bonds. 
Graham County, Kan., bonds, . 
Gray County, Kan., bonds, 
Horton County, Kan., bonds, . 
Kingman County, Kan., bonds, 
Liberal, Kan., bonds, 
Neosho County, No. 5, Kan., bonds, . 
Reno County, No. 136, Kan., bonds, 
Sedgwick County, No. 33, Kan., bonds, 
Stanton County, Kan., bonds, . 
Wa-Keeney, Kan., bonds, . 
Wellington, Kan., bonds, . 
County of Otero, Col., bonds, . 
City of Colorado Springs, Col., bonds, 
Town of Boulder, Col., bonds, . 
Town of South Denver, Col., bonds, 
Arapahoe County, Col., bonds, 
Pueblo County, Col., bonds, 
Arizona Territory bonds, . 
New Mexico Territory bonds, . 
Albuquerque, New Mexico, bonds, . 
County of Clark, S. D., bonds, . 
City of Huron, S. D., bonds, 



Par Value. 

$2,000 00 

1,000 00 

5,000 00 

5,000 00 

9,000 00 

3,400 00 

4,500 00 

3,000 00 

90 00 

500 00 

8,000 00 

44,835 00 

1,000 00 

2,500 00 

35,000 00 

7,950 00 

184,680 94 

14,000 00 

6,000 00 

3,000 00 

12,000 00 

10,000 00 

4,600 00 

2,500 00 

7,500 00 

10,500 00 

10,000 00 

4,000 00 

13,000 00 

3,000 00 

15,000 00 

8,240 00 

3,500 00 

8,000 00 

1,000 00 

1,500 00 

14,000 00 

4,000 00 

31,000 00 

35,000 00 

2o,000 00 

29,000 00 

88,000 00 

80,000 00 

40,000 00 

15,000 00 

9,000 00 

12,500 00 



Market Value. 

$2,133 00 
1,000 00 
5,302 50 
5,250 50 
9,604 70 
3,706 68 
4,500 00 
3,630 90 
90 00 
500 00 
8,138 40 

46,618 77 
1,011 70 
2,808 75 

36.208 00 
8,142 39 

186,010 94 

15,901 20 

6,898 80 

3,018 00 

12,288 00 

11,501 00 

4,939 02 

2,666 25 

8,043 00 

10,937 85 

11,389 00 

4,543 20 

13,804 70 

3,131 40 

17,083 50 

8,535 82 

3,849 30 

8,297 20 

1,135 80 

1,582 35 

14,317 80 

4,161 60 

32,095 50 

36,165 50 

28,225 00 

30,562 00 

89,830 60 

83,683 00 

40,992 00 

17.209 50 
9,285 30 

12,500 00 



134 



NEW YORK LIFE INSURANCE COMPANY. 



City of Sionx Falls, S D., bonds, 
Hughes County, S. D., bonds, . 
Huron, S. D., bonds, . . . . 
Pierre, S. D., bonds, .... 
City of Cheyenne, Wyoming, bonds, 
City of Helena, Mont., bonds, . 
City of Silver Bow, Mont., bonds, . 
City of Helena, Mont., warrants, 
County of Weber, Utah, bonds, 
City of Ogden, Utah, bonds, 
City of Salt Lake City, Utah, bonds, 
County of Lewis, Wash., bonds, 
City of Seattle, Wash., bonds, . 
City of Taeoma, Wash., bonds, 
Village of South Bend, Wash., bonds, 
Seattle, Wash., bonds, , 
Washington County and City warrants, 
Oregon County warrants, 



Par Value. 

$20,000 00 
10,000 00 
20,000 00 
11,000 00 
25,000 00 
10,000 00 
25,000 00 
49,876 34 
40,000 00 
20,000 00 
20,000 00 
20,000 00 
40,000 00 
25,000 00 
24,000 00 
10,000 00 
3,108 84 
6,394 74 



Market Value. 

$21,082 00 

10,549 00 

20,000 00 

11,658 90 

26,500 00 

10,781 00 

25,487 50 

50,240 34 

40,936 00 

20,220 00 

20,160 00 

21,908 00 

41,088 00 

25,750 00 

27,309 60 

10,266 00 

3,146 14 

6,471 47 



$3,581,199 92 $3,720,296 33 



"NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1845.] 

John A. McCall, President. Charles C. Whitney, Secretary. 

Income. 

Cash received for premiums on new policies, .... $5,986,275 67 

Cash received for renewal premiums, 21,589,816 71 

Premium notes received for renewals, ..... 358,367 31 
Dividends applied to pay running premiums, . . . . 314,021 29 
Dividends applied to purchase paid-up additions and annuities, 301,718 47 
Surrender values applied to pay running premiums, . . 38,043 04 

Received for annuities, . . . . . . . 871,721 23 



Total, ........ 

Deduct amount £>aid for reinsurance, 

Total premium income, .... 
Cash received for interest, .... 
Cash received for rents of company's property, 
Deposits on account of trust fund policies, 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



$29,459,963 72 
48,577 40 

$29,411,386 32 

. 6,386,068 26 

. 663,680 27 

22,178 68 



1,483,313 53 
138,571,211 59 



Total, $175,054,525 12 



NEW YORK LIFE INSURANCE COMPANY. 



135 



Disbursements. 

Cash paid for losses and additions, ...... 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash paid to annuitants, ........ 

Premium notes or loans used in purchase of surrendered 

policies, $89,591.60 ; voided by lapse, $16,904.04, 
Premium notes or loans used in payment of dividends to 

policy-holders, 
Cash dividends paid policy-holders, ..... 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, ....... 

Surrender values paid in cash, ....... 

Surrender values applied to pay running premiums, 
Reserve values paid on matured deferred dividend policies, . 
Instalments paid on trust policies, . . „ . 



88,220,096 01 

23,512 50 

1,416,513 88 

1,569 00 

59,661,691 39 
15,000 00 

?9,646,691 39 
1,396,314 48 

136,495 64 

672 37 

1,065,342 57 

314,021 29 

301,718 47 



Total paid policy-holders, ...... 

Cash paid for commissions to agents, new policies, $3,506,- 

657.12; renewals, f 664,371.98, . 
for salaries and allowances to managers and agents, 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, . 
for taxes on premiums, . . . . . ■ . 
for taxes on reserves, $12,744.78; State, county and 

city tax, $156,262.03, ..... 

for fees, licenses, etc., ..... 

for rent, ......... 

for real estate expenses, ..... 

for expenses of " seven-states " examination, . 
for legal expenses and incidentals, . 



38,043 04 

1,279,094 70 

5,840 57 

$15,665,003 06 
4,171,029 10 



Total disbursements, . 
Balance, 



1,216,969 


57 


560 


048 


84 


765 


,106 


07 


167 


,420 


52 


169 


006 


81 


21 


820 


28 


280 


,173 


69 


195 


238 


35 


42 


701 


52 


884 


911 


75 


$24,139 


,429 


56 



$150,915,095 5Q 



Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



$14,675,478 98 

. 26,349,724 84 

579,922 00 

. 3,205,980 99 



136 NEW YOKK LIFE INSURANCE COMPANY. 

Premium notes or loans on policies in force, .... $1,025,871 94 

Book value of stocks and bonds owned (schedule B), . . 99,029,047 78 

Cash in company's office, . . . . 107,109 78 

Cash deposited in bank, ........ 5,385,312 91 

Agents' ledger balances, ........ 556,646 34 



Ledger assets (as per balance), , $150,915,095 56 

Other Assets. 

Interest due and accrued, ........ 1,374,206 60 

Rents due and accrued, ........ 31,456 48 

Market value of stocks and bonds, over book value, . . 4,676,260 89 

New Business. Kenewals. 

Uncollected premiums on poli- 
cies in force, .... $1,585,907 50 $2,965,951 67 

Deferred premiums on policies 
in force, 49 



Total, .... $2,078,589 50 $4,885,657 67 

Deduct loading (20 per cent.), 415,717 90 977,13153 

Net amount of uncollected and 

deferred premiums, . . $1,662,871 60 $3,908,526 14 

__ — _«_ __ 5,571,397 74 



Total assets, per company's books, . . , , $162,568,417 27 

Items not admitted. 
Agents' balances, ......... 556,646 84 



Total admitted assets, . . . . . . $162,011,770 93 

Deduct special deposits in other States, . . . . . 7,546,532 70 



Balance, ......... $154,465,238 23 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $139,067,364 00 
Deduct net value of reinsured risks, .... 217,973 00 



Net reinsurance reserve, ...... f 138,849,391 

Additional policy reserve in excess of above standard, „ 770,797 

Matured endowments due and unpaid, . . $130,581 96 
Death losses in process of adjustment, . . 1,325,754 13 
Claims resisted by the company, . . . 44,000 00 

Due and unpaid on annuity claims, . . . 50,046 53 

Total policy claims, ..... — — 1,550,382 

Unpaid dividends of surplus due policy-holders, . . . 147,437 



NEW YORK LIFE INSURANCE COMPANY. 



137 



Premiums paid in advance, 

Trust deposits, payable by instalments, 

Real estate sinking fund, . 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, , , 



. $157,415 68 

87,039 83 

200,000 00 

$141,762,463 20 
7,546,532 70 



$134,215,930 50 
20,249,307 73 

$154,465,238 23 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
Premium notes received during 1894, 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, 

Total 



Balance note assets Dec. 31, 1894, 



,075,440 32 

358,367 31 

$25,081 50 

89,591 60 

46,904 04 

672 37 

245,686 18 



$1,433,807 63 



407,935 69 



. $1,025,871 94 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total Number. Total Amount. 

,192,912 $574,823,400 00 

. 55,878 170,555,922 00 

. 5,086 29,250,180 00 

4,527,176 00 

__ _____ 253,876 $779,156,678 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 67,384 $163,490,172 00 

. 13,226 32,951,724 00 

112 2,159,478 00 



80,722 198,601,374 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

436 $1,148,289 00 

126 267,149 00 

40 69,439 00 



602 1,484,877 00 



138 



NEW YORK LIFE INSURANCE COMPANY. 



Old Policies increased. 

Number. 



Whole life, 
All other, . 



Amount. Total No. 

$107,430 00 
5,935,171 00 



Additions by dividends, 
Total, 



Whole life, 
Endowment, 
All other, . 



Total Amount. 



5,042,601 00 
416,540 00 



335,200 $985,702,070 00 



Policies terminated during the Year. 

. 46,955 $138,265,510 00 
. 9,345 26,868,623 00 
. 1,300 7,273,777 00 



57,600 $172,407,910 00 



How terminated. 



By death, . 


. 2,565 


$8,282,508 00 


maturity, 


454 


1,426,637 00 


expiry, . 


128 


1,524,337 00 


surrender, . 


. 5,362 


18,359,576 00 


lapse, . 


. 33,053 


85,777,205 00 


change and decre 


ase, . - 


10,450,110 00 


Not taken, . 


. 16,038 


46,587,537 00 



57,600 172,407,910 00 



Policies in Force Dec 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



.212,671 $597,767,069 00 
. 59,422 175,391,172 00 
. 5,507* 35,593,832 00* 
4,542,087 00 



277,600 $813,294,160 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Lake Shore & Michigan Southern R.R. bonds, $12,350 00 
400 shares First National Bank, Macon, Ga., . 54,000 00 

25 shares Central Trust Company, N. Y., 
Jefferson, Madison & Ind. Railroad bonds, 
527 shares Chicago & Alton Railroad, 
1,000 shares Brooklyn City Railroad, 



94 " People's Trust Company, 

15 " Hamilton Trust Company, 

123 " Chicago & Alton Railroad, 

750 " American Surety Company, 

680 " Mercantile National Bank, N. Y. 



25,000 00 

5,800 00 

76,942 00 

17,000 00' 

22,560 00 

2,850 00 

17,958 00 

75,000 00 

122,400 00 



Amount Loaned. 

$10,000 00 

40,000 00 

6,000 00 

4,600 00 

60,000 00 

30,000 00 

14,022 00 

57,000 00 

100,000 00 



* Transferred from Life and Endowment 1569 policies =$5,051,712.00. 



NEW YORK LIFE INSURANCE COMPANY. 



139 



Market Value. Amount Loaned. 



Canada Southern Railroad bond, 

10 shares New York & Harlem Railroad, 
9 " N. Y., New Haven & Hartford R.R., 
6 " National Park Bank, N. Y., . 

Southern Railway bonds, 

Brooklyn City bonds, ..... 

Lake Erie & Western bonds, .... 



,120 00) 



1,250 00 



1,737 00 
1,650 00 J 
40,040 00 
115,000 00} 
157,500 00 \ 



} $4,700 00 



28,600 00 
225,000 00 



$750,157 00 $579,922 00 



Schedule B. 
Stocks and Bonds owned by the 



United States bonds, . 
Alabama State bonds, 
Atlanta City, Ga., bonds, . 
Austin City, Tex., water and electric 
Butler County, Ohio, bonds, 
Callaway County, Mo., bonds, . 
Custer County, Mont., bonds, . 
Cuyahoga County, Ohio, bonds, 
Dallas City, Tex., bonds, . 
Douglass County, Neb , bonds, 
Elizabeth City, N. J., bonds, . 
Find lay, Ohio, bonds, 
Flatbush, N. Y., water bonds, . 
Fort Worth, Tex., water bonds, 
Galveston City, Tex., bonds, . 
Jersey City, N. J., bonds, 
Jefferson County, Ala., bonds, . 
Louisville City, Ky., bonds, 
Lincoln County, Wash., bonds, 
Massachusetts State bonds, 
Madison County, Ala., bonds, 
Mississippi State bonds, . 
Montgomery City, Ala., bonds, 
Memphis City, Tenn., bonds, 
New York City bonds, 
Newark, N. J., bonds, 
Nashville City, Tenn., bonds, 
North Knoxville, Tenn., bonds 
Ottawa City, Canada, bonds, 
Omaha City, Neb., bonds, 
Petersburg City, Va., bonds, 
Pierce County, Wash., bonds, 
Peoria Township, 111., bonds, 
Quebec (Province of) bonds, 
Quebec City, Canada, bonds, 



light 



b 1 ds 



Company. 

Book Value. 

^9,480,201 33 

38,212 47 

132,445 47 

186,734 17 

31,783 26 

120,000 00 

54,222 35 

155,368 74 

446,157 09 

81,744 16 

326,222 00 

30,616 33 

19,639 07 

220,951 26 

173,730 00 

1,340,996 60 

302,525 84 

750,000 00 

63,356 98 

1,084,231 16 

60,293 55 

19,608 00 

217,761 48 

103,514 03 

2,470,861 51 

783,409 37 

300,000 00 

100,000 00 

107,399 53 

22,904 99 

30,000 00 

352,167 13 

99,528 48 

181,953 00 

200,000 00 



Market Value. 

19,575,487 50 

48,720 00 

137,137 50 

197,500 00 

31,800 00 

120,000 00 

56,445 00 

155,875 00 

459,500 00 

82,000 00 

343,825 00 

30,430 00 

24,000 00 

221,000 00 

175,000 00 

1,431,740 00 

304,500 00 

750,000 00 

63,600 00 

1,100,000 00 

60,300 00 

20,000 00 

220,000 00 

105,000 00 

2,493,324 58 

810,900 00 

300,000 00 

101,333 33 

107,583 33 

22,500 00 

31,200 00 

365,700 00 

99,551 67 

184,968 88 

200,000 00 



140 



NEW YOEK LIFE INSURANCE COMPANY. 



Richmond City, Va., bonds, . . 

Seattle, Wash., bonds, 

St. Joseph, Mo., School Board bonds, 

St. Paul, Minn., water bonds, . 

Sanitary District of Chicago, TIL, bonds, 

San Antonio, Texas, bonds, 

School District, Multnomah County, Ore., b'ds 

School District, Spokane County, Wash., b'ds. 

School District, Salt Lake City, Utah, bonds, 

Salt Lake City, Utah, bonds, . 

Tazewell County, 111., bonds, . 

Tennessee State bonds, 

Utah Territory bonds, 

Waco City, Texas, bonds, 

West Chicago, Town, 111 , bonds, 

Whatcom County, Wash , bonds, 

Whitman County, Wash., bonds, 

Argentine Republic government bonds, 

Brazilian government bonds, . 

Bulgarian government bonds, . 

Hungarian government bonds, 

Italian government bonds, 

Prussian government bonds, 

Russian government bonds, 

Servian government bonds, 

Swiss government loans, . 

Swedish government bonds, 

Wurtemburg government bonds, 

Adirondack Railroad bonds, 

Albany & Susquehanna Railroad bonds, 

Atlantic & Gulf Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds 

Burlington, C. R. & Northern Railroad bonds 

Boston, Hoosac Tunnel & Western R.R, bonds 

Baffalo, Bradford & Pittsburgh R.R. bonds, 

Buffalo, New York & Erie Railroad bonds, 

Canadian Pacific Railroad bonds, 

Central R.R & Banking Co. of Georgia bonds 

Central Railroad of New Jersey bonds, . 

Cedar Rapids, I. F. & No. W. Railroad bonds 

Chateaugay Ore. & Iron Company R.R. bonds 

Chicago, Burlington & Quincy Railroad b'ds, 

Chicago, Milwaukee & St. Paul Railroad b'ds 

Chicago & Northwestern Railroad bonds, 

Chic, St. Paul, Min. & Omaha R.R. bonds, 

Chicago & Western Indiana Railroad bonds, 

Chicago & Eastern Illinois Railroad bonds, 

Chicago & St. Louis Railroad bonds, 



Book Value. 

$289,636 63 

499,100 00 

190,325 53 

187,817 64 

1,026,059 20 

266,038 61 

75,701 52 

98,250 75 

253,271 31 

443,578 88 

55,902 21 

596,293 83 

88,228 02 

92,000 00 

427,519 03 

207,281 34 

201,872 17 

24,100 08 

51,012 27 

19,093 63 

99,548 25 

625,081 67 

917,235 71 

2,109,249 71 

2,586 84 

19,029 70 

89,894 12 

47,124 33 

973,543 84 

876,525 68 

115,383 61 

1,386,843 75 

143,900 38 

191,145 09 

' 74,708 15 

63,638 01 

1,068,923 92 

1,592,389 87 

2,343,824 35 

449,828 05 

495,792 69 

1,768,040 27 

725,128 55 

6,097,812 32 

1,190,335 30 

1,143,266 53 

273,636 10 

275,809 48 



Market Value. 

$298,000 00 

508,750 00 

193,022 22 

219,453 33 

1,035,000 00 

268,000 00 

81,000 00 

98,100 00 

255,000 00 

459,000 00 

60,000 00 

669,600 00 

90,045 00 

92,000 00 

426,420 00 

210,000 00 

210,000 00 

24,468 75 

54,170 83 

19,536 57 

124,310 00 

640,317 17 

999,181 12 

2,172,957 13 

2,455 44 

19,950 41 

95,200 00 

47,539 07 

954,750 00 

990,117 50 

112,560 00 

1,023,120 00 

165,800 00 

196,666 67 

74,000 00 

65,708 33 

1,072,440 00 

1,580,666 67 

2,629,125 00 

422,625 00 

484,000 00 

1,800,000 00 

778,515 00 

6,414,250 00 

1,312,500 00 

1,296,880 00 

297,780 00 

263,940 00 



NEW YORK LIFE INSURANCE COMPANY. 



141 



Chicago, Rock Island & Pacific Railroad bonds 
Chesapeake & Ohio Railroad bonds, 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cincinnati, Lafayette & Chicago R.R. bonds, 
Cincinnati, Sandusky & Cleveland R.R. bonds 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Cleveland, Loraine & Wheeling R.R. bonds, 
Denver & Rio Grande Railroad bonds, . 
Detroit, Bay City & Alpena Railroad bonds, 
Delaware & Hudson Canal Co. R.R. bonds, 
Evansville & Indianapolis Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
Evansville, Terre Haute & Chicago R.R. bonds 
East Tenn., Virginia & Georgia RE. bonds, 
Flint & Pere Marquette Railroad bonds, . 
Fremont, Elkhorn & Mo. Valley R.R. bonds, 
Indianapolis & St. Louis Railroad bonds, 
Iowa Midland Railroad bonds, . 
Kalamazoo, Allegan & G. R. Railroad bonds, 
Kan. City, St. Jo. & Council Bluffs R.R. bonds 
Lake Shore & Michigan Southern R.R. bonds 
Long Dock Company Railroad bonds, 
Lowell & Suburban Railroad bonds, 
Louisiana Western Railroad bonds, . 
Louisiana & Missouri River Railroad bonds, 
Louisville & Frankfort & Lex, & F. R.R. bonds 
Lehigh Valley Railway bonds, 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated Railroad bonds, , 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroadbonds, . 
Minneapolis Union Railroad bonds, . 
Morgan's Louisiana & Texas Railroad bonds, 
Mobile & Girard Railroad bonds, 
Midland of New Jersey Railroad bonds, . 
Missouri Pacific Railroad bonds, 
New York Elevated Railroad bonds, 
New York Central & Hudson River RR. bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
N. Y.,L E. & Western Docks & Imp't Co. b'ds 
New York, Lackawanna & Western R.R. bonds 
New York, Susq. & Western Railroad bonds, 
Nebraska Railway bonds, .... 
Nashville, Chatta. & St. Louis Railroad bonds 
Northern Pacific Railroad bonds, 
Northern Pacific Terminal Railroad bonds, 
Northern Illinois Railroad bonds, . , 



Book Value. 

$243,219 03 
615,784 24 
985,078 92 
180,245 30 
593,660 31 

1,301,764 48 
237,588 67 
709,896 32 
146,075 00 
286,234 97 
675,634 67 
530,576 46 
31,424 03 
488,380 05 
117,388 93 

1,056,188 99 

155,583 56 

57,291 12 

177,783 57 

157,027 17 

2,296,909 88 

1,215,803 27 
691,068 82 
313,603 34 
163,446 49 
162,683 32 

2,826,320 53 

362.776 17 
319,163 69 
295,254 01 

55,300 28 

510,887 33 

879,323 52 

159,947 50 

343,876 99 

1,035,341 51 

759,782 12 

1,009,349 48 

1,025,776 82 

2,335,979 68 

1,560,479 09 

935.777 76 
225,525 88 

75,933 83 

338,634 49 

1,231,384 86 

500,000 00 

497,796 67 



Market Value. 

$252,500 00 

677,083 33 

1,015,833 33 

180,320 00 

589,160 00 

1,522,640 00 

246,875 00 

733,673 33 

81,000 00 

332,800 00 

643,110 00 

486,962 50 

31,500 00 

505,000 00 

111,500 00 

1,128,750 00 

164,895 00 

58,500 00 

177,390 00 

172,200 00 

2,485,833 33 

1,275,000 00 

700,000 00 

315,000 00 

164,450 00 

165,110 00 

2,941,000 00 

440,000 00 

377,175 00 

250,000 00 

59,916 67 

527,850 00 

913,125 00 

131,250 00 

369,600 00 

950,000 00 

740,940 00 

1,230,000 00 

1,160,000 00 

2,573,333 33 

1,530,000 00 

1,320,000 00 

261,250 00 

78,000 00 

350,000 00 

1,320,000 00 

475,000 00 

526,666 67 



142 NEW YORK LIFE INSURANCE COMPANY. 

Book Value. Market Value. 

Northwestern Grand Trunk Railroad bonds, . $15,917 28 $43,680 00 

Ohio, Indiana & Western Railroad bonds, . 307,882 38 311,250 00 

Peoria, Decatur & Evansville Railroad bonds, 144,905 81 130,190 00 

Pennsylvania Company Railroad bonds, . . 1,047,055 81 1,100,000 00 

Philadelphia & Reading Railroad bonds, . 233,774 34 232,446 67 

Philadelphia & Reading Car Trust bonds, . 380,000 00 380,000 00 

Pitts., Cin. & St. Louis Railroad bonds, . . 54,397 13 56,500 00 

Pitts., Cin., Chic. & St. Louis Railroad bonds, . 1,004,841 76 1,028,750 00 

Quincy, Alton & St. Louis Railroad bonds, . 155,030 81 155,000 00 

Rensselaer & Saratoga Railroad bonds, . . 9,496 37 12,765 00 

Rochester & Pittsburgh Railroad bonds, . . 188,28188 194,500 00 

South Carolina & Georgia Railroad bonds, . 179,640 00 196,581 67 

St. Paul, Minneapolis & Manitoba R.R. bonds, 2,191,138 57 2,292,500 00 

St. Paul & Northern Pacific Railroad bonds, . 1,275,745 14 1,387,680 00 

Savannah, Florida & Western Railroad bonds, 470,222 22 464,400 00 

Taylor's Falls & Lake Superior R.R. bonds, . 211,937 82 224,700 00 

Toledo & Ohio Central Railroad bonds, . . 248,750 00 254,375 00 

Terre Haute & Indianapolis Railroad bonds, . 260,221 51 260,221 51 

Texas & New Orleans Railroad bonds, . . 308,686 82 305,875 83 

Union Railway Company, N. Y., bonds, . . 49,735 80 51,708 33 

Virginia & Tennessee Railroad bonds, . . 62,810 09 65,540 00 

West Shore Railroad bonds, .... 947,798 15 1,040,000 00 

Western Transit Company Railroad bonds, . 90,000 00 91,800 00 

Wheeling & Lake Erie Railroad bonds, . . 381,712 49 407,000 00 

Willmar & Sioux Falls Railroad bonds, . . 478,456 00 517,916 67 

American Safe Deposit Company bonds, . . 53,310 03 52.500 00 

American Dock & Improvement Co. bonds, . 400,958 97 450,000 00 

Equitable Gas Light Co., New York, bonds, . 147,506 54 145,550 00 

Equitable Gas Light Co., Baltimore, bonds, . 220,088 14 251,940 00 

Madison Sq. Garden Co., New York, bonds, . 749,182 33 787,698 33 

People's Gas Light & Coke Co. of Chic, bonds, 578,063 71 658,875 00 

St. Paul, Minn., Gas Light Company bonds, . 823,961 04 847,000 00 
Union Sav'gs B'k & Trust Co., Tacoma, Wash., 

bonds, ........ 500,000 00 500,000 00 

Western Union Telegraph Company bonds, . 427,802 13 469,665 00 

1,133| shares Evansville & Terre Haute R.R., 37,966 66 22,666 67 

11,300 " Chicago & Northwestern R.R., 1,438,389 58 1,610,250 00 

5,000 " Valley Railroad, . . . 502,500 00 537,500 00 

100 u American Ex. Nat'l B'k,N. Y., 10,025 00 15,500 00 

187 " Merchants' National Bank, N.Y., 11,112 58 12,622 50 

11 " Nat'l B'k of the Republic, N.Y., 907 50 1,705 00 

77 ' " Bank of America, New York, . 8,484 00 15,400 00 

2,750 » Central Nat'l B'k, New York, . 330,000 00 335,500 00 

5,365 " N.Y. Security & Trust Co., N.Y., 827,500 00 1,287,600 00 

700 " Mackey-Nesbitt Company, . 15,050 00 15,050 00 
10 " Real Estate Exch'ge & Auction 

Room, Lira., N. Y., . . 1,000 00 870 00 



$99,029,047 78 $103,705,308 67 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 143 



"NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY," 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 1858.] 

H. L. Palmer, President. J. W. Skinner, Secretary, 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, . 
Premium notes received for renewals, .... 
Dividends applied to pay running 1 premiums, . 
Dividends applied to purchase paid-up additions, . 
Surrender values applied to pay. running premiums, 
Surrender values applied to purchase paid-up insurance, 
Received for annuities, 

Total, .......... 

Cash received for interest, ...... 

as discount on claims paid in advance, 
for rents of company's property, 
for commuted commissions refunded, 
from all other sources, . . * . 

Total income, 

Net or ledger assets Dec. 31, 1893, ..... 



Total, 



Disbursements. 
Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 



$1,265,512 24 

10,028,617 31 

99,319 18 

765,039 52 

174,380 59 

6,498 47 

406,143 04 

13,155 73 



.2,758,666 08 

3,418,633 33 

1,638 10 

70,618 16 

17,203 69 

16,485 35 



,283,244 71 
61,441,625 63 



177,724,870 34 



',658,279 16 

21,214 39 

404,292 92 

9,365 64 



Gross amount paid for losses and endowments, 
Cash paid to annuitants, ........ 

Premium notes or loans used in purchase of surrendered 
policies, ........... 

Premium notes or loans used in payment of dividends to 

polkw-holders, 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid»up additions, . 
Surrender values paid in cash, ...... 

applied to pay running premiums, 
applied to purchase paid-up insurance, 



,093,152 11 
1,912 85 

4,387 93 

69,890 82 

252,014 17 

765,039 52 

174,380 59 

377,742 28 

6,498 47 

406,143 04 



Total paid policy-holders,'. 



1,151,161 78 



144 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Cash paid for commissions to agents, new policies, $632,- 
756.12 ; renewals, $766,636.92, .... 

for salaries and allowances to managers and agents, 

for medical examiners' fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on premiums, ...... 

for taxes on reserves, $6,426.68 ; on investments, 
$10,237.67, ...... 

for fees, licenses, etc., .... 

for furniture and office fixtures, 

for advertising and printing, . 

for real estate expenses, .... 

for legal expenses, ..... 

for incidentals, . . 

for premium on bonds purchased, . . 

Total disbursements, ...... 



Balance, .....<,.. 
Invested in the following : ~- 

Assets as per Ledger Accounts. 
Cost value of real estate, ....... 

Loans on mortgage of real estate (first liens), 

Loans on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of bonds owned (schedule A), 

Cash in company's office, ....... 

Cash deposited in bank, ...,,.. 
Agents' ledger balances, 

Ledger assets (as per balance), . 

Other Assets. 
Interest due and accrued, ....,,. 
Rents due and accrued, . ... 
Market value of bonds, over par, . 



.,399,393 04 

28,091 50 

103,514 43 

212,439 68 

131,243 24 

16,664 35 

16,010 85 

8,369 79 

6,013 75 

19,031 36 

58,344 08 

267,584 52 

80,250 24 

. $7,498,112 61 

$70,226,757 73 



$1,183,409 12 

55,846,691 09 

78,820 00 

467,540 42 

7,170,965 00 

142,943 17 

5,313,047 62 

23,341 31 



,226,757 73 



.,053,987 57 

10,050 87 

550,080 83 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, , 

Total, .....; 
Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, , , 



New Business. Renewals. 

$294,482 00 $421,083 00 
121,814 00 960,843 00 



$416,296 00 $ 1,381,926 00 
83,259 20 276,385 20 



, $333,036 80 $ 1,105,540 80 
Total assets, pes: company's books, , 



1,438,577 60 

$73,279,454 60 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 145 



Items not admitted. 



Agents' balances, 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



13,341 31 



$73,256,113 29 
121,900 00 

$73,134,213 29 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 

Reserve for paid-up insurance and annuities, . 

Death losses and matured endowments in proc- 
ess of adjustment, ...... 

Claims resisted by the company, . 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, .... 

Accrued commissions, ..... 



58,908,182 00 
70,227 00 



$282,244 46 
61,200 00 



Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Gross liabilities, 



343,444 46 

110,085 73 

7,000 00 

5,000 00 

$59,443,939 19 

102,406 00 

$59,341,533 19 

13,792,680 10 

,134,213 29 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
received during 1894, 
restored, etc., . 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



Balance note assets Dec. 31, 1894, 



$476,096 97 
99,319 18 
15,579 70 



$30,580 03 

4,387 93 

69,890 82 

18,596 65 



$590,995 85 



123,455 43 

$467,540 42 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 109,884 $262,968,458 00 
Endowment, . . . 25,978 57,668,754 00 
All other, .... 548 4,515,735 00 

136,410 $325,152,947 00 



146 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 





Policies issued during the Year 








Number. Amount. Total No. 


Total Amount. 


Whole life, 


, 15,024 $33,391,431 00 






Endowment, 


. 5,236 11,897,408 00 






All other, . 


517 1,549,355 00 








■ ■ 


20,777 


$46,838,194 00 




Old Policies revived. 






Whole life, 


321 $833,761 00 






Endowment, 


90 268,800 00 






All other, . 


1,000 00 








, — — - — __. — _ 


411 


1,103,561 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Total, . 



Old Policies increased. 



59 
2 

8 



$128,784 00 



69 128,784 00 

2,365,781 00 



. 157,667 $375,589,267 00 



Policies terminated during the Year. 

Whole life, . > , 9,722 $25,049,642 00 
Endowment, . . . 2,594 6,305,770 00 
All other, .... 451 3,536,286 00 



12,767 $34,891,698 00 



How terminated. 



By death, . 

maturity, 

expiry, 

surrender, 

lapse, . 

change and decrease, 
Not taken, . 



1,130 

253 

294 

2,938 

5,780 

2,372 



$2,743,491 00 

421,852 00 
2,963,284 00 
4,982,602 00 
12,528,636 00 
4,676,353 00 
6,575,480 00 



12,767 34,891,698 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 
.115,566 $272,293,834 00 
. 28,712 63,618,347 00 
622 4,785,388 00 
__. _______ 144,900 $340,697,569 00 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 147 



Schedule A. 



Bonds owned by the 

United States bonds, . 
Kansas City, Mo., bonds, . 
City of Sheboygan, Wis , bonds, 
City of Beloit, Wis , bonds, 
City of Milwaukee, Wis., bonds, 
City of Omaha, Neb., bonds, 
City of Springfield, 111., bonds, 
City of Morrison, 111., bonds, . 
Town of Elwood, 111., bonds, . 
County of Buffalo, W r is., bonds, 
County of Mercer, Ohio, bonds, 
County of Dodge, Neb., bonds, 
City of Alton, 111., bonds, . 
County of Wyandotte, Kan., bonds, 
County of Dubuque, Iowa, bonds, 
City of Albion, Mich., bonds, . 
County of Pickaway, Ohio, bonds, 
County of Reno. Kan., bonds, . 
County of Adams, Neb , bonds, 
City of Colorado Springs, Col., bonds, 
County of Marion, Kan., bonds, 
County of Gage, Neb., bonds, . 
County of Washington, Neb., bonds, 
County of Muskingum, Ohio, bonds, 
City of Kearney, Neb., bonds, . 
County of Dallas, Tex., bonds, 
County of Boone, Neb., bonds, 
State of Alabama bonds, . 
County of Bexar, Tex., bonds, . 
County of Saunders, Neb., bonds, 
County of Polk, Neb., bonds, . 
City of Waco, Tex., bonds, 
City of Birmingham, Ala., bonds, 
County of Williamson, Tex., bonds, 
City of Spokane, Wash., bonds, 
City of Sheboygan, Wis., bonds, 
City of San Antonio, Tex., bonds, 
City of Cheyenne, Wyoming, bonds, 
City of Beatrice, Neb., bonds, . 
Chicago (West Town), 111., bonds, 
City of Lincoln, Neb., bonds, . 
County of Tarrant, Tex., bonds, 
City of Neenah, Wis., bonds, . 
Chicago (North Town), 111., bonds, 
County of Wyandotte, Kan., bonds, 



Company. 

Par Value. 

$110,000 00 
75,000 00 
50,000 00 
33,000 00 

986,000 00 

173,500 00 
12,700 00 
500 00 
12,000 00 
10,000 00 
43,000 00 
50,000 00 
10,000 00 
94,000 00 
29,400 00 
50,000 00 
52,000 00 
50,000 00 
40,000 00 

111,000 00 
43,000 00 
48,000 00 

■ 74,000 00 
50,000 00 
17,000 00 

234,000 00 
20,000 00 
50,000 00 

300,000 00 

6,000 00 

10,000 00 

30,000 00 

110,000 00 
39,000 00 

310,000 00 
35,000 00 
12,000 00 
71,500 00 
13,000 00 

500,000 00 
25,000 00 

279,865 00 
60,000 00 
30,000 00 
75,000 00 



Market Value. 

$122,200 00 

82,483 33 

52,333 33 

34,961 67 

1,005,400 00 

179,362 50 
13,165 67 
512 50 
12,675 00 
10,850 00 
46,010 00 
52,250 00 
10,333 33 

101,050 00 
30,478 00 
54,750 00 
53,560 00 
61,250 00 
43,000 00 

120,220 00 
47,909 16 
49,960 00 
78,995 00 
52,250 00 
20,570 00 

251,160 00 
25,000 00 
51,000 00 

326,900 00 

7,260 00 

13,200 00 

33,000 00 

136,400 00 
41,860 00 

367,350 00 
35,393 75 
14,520 00 
78,650 00 
13,433 33 

567,500 00 
26,125 00 

293,899 35 
63,300 00 
32,475 00 
81,937 50 



148 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



County of Osage, Kan., bonds, . 
County of Henry, Ohio, bonds, 
City of Evanston, 111., bonds, , 
City of Waco, Tex., bonds, 
City of Frankfort, Ind., bonds, 
County of Emmett, Iowa, bonds, 
County of Fillmore, Neb., bonds, 
County of Fayette, Ind., bonds, 
City of Nashville, Tenn., bonds, 
County of Galveston, Tex., bonds, 
County of Davidson, Tenn., bonds, 
County of Wabash, Ind., bonds, 
County of Wells, Ind , bonds, . 
County of Tippecanoe, Ind., bonds, 
City of Beatrice, Neb., bonds, . 
County of Waukesha, Wis., bonds, 
City of Galveston, Tex., bonds, 
City of Dallas, Tex., bonds, 
County of Spokane, Wash., bonds, 
City of Fremont, Neb., bonds, 
County of St. Louis, Minn., bonds, 
County of Polk, Iowa, bonds, . 
County of Medina, Tex., bonds, 
City of Colorado Springs, Col., bonds, 
County of Hennepin, Minn., bonds, 
County of Blackford, Ind., bonds, . 
City of Cedar Rapids, Iowa, bonds, 
County of White, Ind., bonds, . 
City of Dayton, Ohio, bonds, . 
County of Walla Walla, Wash., bonds, 
City of Ottawa, 111., bonds, 
City of Duluth, Minn., bonds, . 
County of Hopkins, Tex., bonds, 
County of Anderson, Kan., bonds, . 
County of Medina, Ohio, bonds, 
Township of Newark, Ohio, bonds, . 
County of Calhoun, Iowa, bonds, 
County of Pulaski, Ind , bonds, 
City of Nashville, Tenn , bonds, 
County of Tipton, Ind., bonds, 
City of Fort Worth, Tex., bonds, . 
County of De Witt, Tex., bonds, 
County of La Porte, Ind., bonds, 
County of El Paso, Col., bonds, 



Par Value. 

$20,000 00 
30,000 00 
29,500 00 
41,000 00 
12,000 00 
20,000 00 
50,000 00 
19,000 00 

100,000 00 

100,000 00 

265,000 00 
25,000 00 
10,000 00 

175,000 00 
50,000 00 
40,000 00 
50,000 00 
66,000 00 
50,000 00 
35,000 00 
50,000 00 
50,000 bo 
26,000 00 

124,000 00 

200,000 00 
60,000 00 
10,000 00 
44,000 00 

161,000 00 
80,000 00 
60,000 00 

150,000 00 
65,000 00 
25,000 00 
20,000 00 
30,000 00 
15,000 00 
40,000 00 
40,000 00 
85,000 00 
30,000 00 
20,000 00 

126,000 00 
38,000 00 



Market Value. 

$22,700 00 
31,050 00 
30,163 75 
49,200 00 
12,700 00 
21,450 00 
53,625 00 
19,973 50 

102,125 00 

107,111 14 

279,754 17 
25,864 59 
10,230 00 

183,458 33 
59,500 00 
43,200 00 
54,000 00 
73,260 00 
58,000 00 
37,070 83 
52,625 00 
52,555 54 
27,906 67 

131,673 11 

212,200 00 
64,500 00 
10,483 33 
44,605 00 

165,427 50 
85,333 33 
65,400 00 

162,625 00 
67,112 50 
28,750 00 
20,916 65 
30,941 67 
15,900 00 
43,633 30 
41,300 00 
96,475 00 
32,850 00 
21,666 67 

134,872 50 
39,963 33 



',170,965 00 $7,721,045 83 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



149 



"THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Edward M. Needles, President. Henry C. Brown, Secretary 



Income. 

Cash received for premiums on new policies, . 

Cash received for renewal premiums, 

Premium notes received for new policies, 

Premium notes received for renewals, 

Dividends applied to pay running premiums, . 

Dividends applied to purchase paid-up additions and annuities 

Surrender values applied to pay running premiums, 

Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Cash received for interest, .... 
for rents of company's property, 
for profits on securities sold, . 

Premium notes or loans restored, 

Total income, . . . . " . l . 
Net or ledger assets Dec. 31, 1893, . 

Total, . . . . . . . . 

Disbursements. 
Cash paid for losses and additions, . . . 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 
Cash paid on matured instalment policies, 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 
policies, $32,213.18 ; voided by lapse, $48,177.38, 



$533,079 74 

3,497,990 20 

19,219 00 

233,533 87 

598,804 70 

64,759 16 

37,210 47 

205,042 00 
20,272 16 

$5,209,911 30 
2,630 39 

$5,207,280 91 

1,110,791 55 

43,729 82 

9,600 46 

8,712 33 

$6,380,115 07 
21,903,641 28 



,283,756 35 



[,474,550 80 

34,967 82 

178,474 68 

1,914 32 

9,700 00 

.,699,607 62 
20,000 00 

.,679,607 62 
10,453 82 

80,420 56 



150 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Premium notes or loans used in payment of dividends to 
policy-holders, ...... 

Cash dividends paid policy-holders, 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, 
Surrender values paid in cash, ..... 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy-holders, 

Cash paid for commissions to agents, new policies, $258, 
409.17 ; renewals, $229,189.04, . 

for salaries and allowances to managers and agents 

for medical examiners 1 fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on premiums, ...... 

for taxes on reserves and investments, . 

for fees, licenses, etc., 

for rent, 

for furniture and office fixtures, 

for advertising and printing, . 

for real estate expenses, . 

for legal expenses, . 

for incidentals, 
Depreciation charged to profit and loss, . 



Total disbursements, . 
Balance, , , „ 



$85,445 24 

1,271 92 

598,804 70 

64,759 16 

342,858 23 

37,210 47 

205,042 00 

$3,105,873 72 

487,598 21 
71,147 38 
45,266 67 

104,735 31 
65,339 60 
83,744 97 
10,511 78 
32,862 64 
1,297 09 
28,295 53 
18,153 74 
10,888 60 
31,317 35 

184,689 98 



L,281,722 57 



$24,002,033 78 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, . . 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . . . . 

Cash deposited in bank, . . . . . 

Bills receivable, 

Agents' ledger balances, 

Loans to agents secured by renewal commissions, . 



$1,439,650 76 

10,782,443 78 

2,110,934 77 

1,387,412 00 

746,879 76 

7,117,788 05 

7,257 82 

249,857 20 

68,870 11 

7,292 83 

83,646 70 



Ledger assets (as per balance), 



$24,002,033 78 



THE PENN MUTUAL LITE INSURANCE COMPANY. 151 



Other Assets. 
Interest and rents due and accrued, . . . . . . $308,471 12 

Market value of stocks and bo ads, over cost, .... 17,006 45 

New Business. Kenewals. 

Uncollected premiums on poli- 
cies in force, .... $91,397 33 $234,369 39 

Deferred premiums on policies 

In force, ..... 52,628 94 356,299 58 



Total, ..... $144,026 27 $590,668 97 

Deduct loading (20 per cent.),. 28,805 25 118,133 79 

Net amount of uncollected and 

deferred premiums, . . f 115,221 02 $472,535 18 



587,756 20 



Total assets, per company's books, .... $24,915,267 55 

Items not admitted. 
Loans to agents, .... 



Agents' balances, .... 

Bills receivable, .... 

Total, 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, ..... 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $21,667,367 00 
Deduct net value of reinsured risks, .... 54,183 00 



$83,646 70 

7,292 83 

68,870 11 

159,809 64 



$24,755,457 91 
11,325 00 

$24,744,132 91 



Net reinsurance reserve, ...... $21,613,18400 

Death, losses and matured endowments in proc- 
ess of adjustment, . . $118,440 00 
Claims resisted by the company, . . . 10,000 00 
Present value of unpaid instalments, . . 74,528 00 
Trust funds held by company, net value, . 27,405 00 

Total policy claims, ..... ___ 230,373 00 

Uupaid dividends of surplus due policy-holders, . . , 58,954 62 
Life rate endowment fund, . . . . . . . 658,959 96 

Premiums paid in advance, 10,565 76 

Scrip outstanding, . . . . . , . . . 8,630 00 



Liabilitiesas to policy-holders, $22,580,667 34 

Deduct liabilities on special deposits, . . . . 11,325 00 

$22,569,342 34 
Surplus as regards policy-holders, 2,174,790 57 



Gross liabilities, . $24,744,132 91 



152 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
received during 1894, 
restored, .... 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1894, 



$699,565 30 

252,752 87 

8,712 33 



$36,882 14 
32,243 18 
48,177 38 
85,445 24 
11,402 80 



$961,030 50 



214,150 74 
$746,879 76 







Exhibit 


of Policies. 






Policies and Additions 


' in Force Dec. 31, 


1893. 






Number. 


Amount. Total No. 


Whole life, 


. 


. 30,948 


$84,312,499 00 




Endowment, 


. 


. 14,821 


34,469,967 00 




All other, . 


. 


. 1,716 


4,917,700 00 




Reversionary 


additions, 


. 


587,552 00 


7 48* ft 



Total Amount. 



47,485 $124,287,718 00 



Policies issued during the Year. 



Whole life, 


. 


. 5,286 $12,778,761 00 






Endowment, 


. . 


. 2,011 4,684,948 00 






All other, . 


• 


360 1,292,850 00 


7 657 


18,756,559 00 






Old Policies revived. 




Whole life, 


, 


443 $811,703 00 






Endowment, 


, 


337 337,401 00 






All other, . 


. 


776 2,121,756 00 


1,556 


3,270,860 00 










Old Policies increased. 






Whole life, 


a i 


23 $121,500 00 






Endowment, 


, . 


6 37,000 00 






All other, . 


• 


1 3,000 00 


30 


161,500 00 
114,881 00 


Additions by 


dividends, 


. ■ . 






56,728 $146,591,518 00 




Policies terminated during the Year. 




Whole life, 


. ' , 


. 4,424 $12,619,419 00 






Endowment, 


. 


. 1,931 4,735,043 00 






All other, . 


. 


822 2,699,981 00 







7,177 $20,054,443 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



153 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, . 


536 


$1,611,525 00 




maturity, 


86 


170,389 00 




expiry, 


234 


746,250 00 




surrender, . 


1,376 


3,634,705 00 




lapse, . 


3,567 


9,541,970 00 




change and decrease, 


35 


688,054 00 




Not taken, . 


1,343 


3,661,550 00 





7,177 $20,054,443 00 



Policies in Force Dec. 31, 1894. 



Whole life, . . . 32,276 

Endowment, . . . 15,244 

All other, .... 2,031 

Reversionary additions, . - 



,405,044 00 

34,794,273 00 

5,686,377 00 

651,381 00 



49,551 $126,537,075 



Schedule A. 

Securities held as Collateral. 



Paid-up policy and other collateral, 
Austin (Tex.) Water, Light & Power Co. b'ds 
Marietta & North Georgia Railway bonds, 
2,500 shares Lehigh Coal and Navigation Co., 
1,200 shares Pennsylvania Railroad Company 
Phila., Reading & New England Railroad b'ds 
100 shares Metropolitan Traction Company, 
63 " United Gas Improvement Co., 
55 " Edison Electric Light Co. of Phila., 
Marietta, & North Georgia Railway bonds, 
Lynchburg & Durham Railroad bonds, . 
500 shares Philadelphia Traction Company, 
500 " Duquesne Traction Company, 
254 " Columbus Street Railway Co., 
200 " Lehigh Coal & Navigation Co., 
Fort Worth & Rio Grande Railway bonds, 
Consolidated Trac. Co. of New Jersey bonds 
Ohio River Railroad Company bonds, 
City of Lynchburg, Va., bonds, 
900 shares Camden Horse Railway Company, 
200 " Lehigh Coal and Navigation Co., 
100 " Lehigh Valley Railroad, 
Consolidated Trac. Co. of New Jerse} r bonds 
132 shares Edison Electric Light Co. of Phila. 
50 shares Philadelphia Traction Company, 
Boston United Gas Company bonds, 
Toledo (Ohio) Electric Street Railway bonds 



Market Value. 

$5,156 00 

68,250 00 

7,920 00 

122,500 00 

61,200 00 

19,000 00 

10,600 00 

4,567 50 

6,462 50 

468,120 00 

118,000 00 

49,750 00 

14,625 00 

11,938 00 

9,800 00 

14,250 00 

12,825 00 

4,900 00 

18,000 00 

59,500 00 

9,800 00 

3,500 00 

8,550 00 

15,510 00 

4,975 00 

40,000 00 

72,500 00 



Loaned Thereon. 

$5,000 00 
10,000 00 
7,920 00 
100,000 00 
50,000 00 
18,750 00 

I 11,000 00 

5,000 00 

40,000 00 

105,403 57 

I 39,000 00 

f 

} 40,000 00 



15,000 00 
30,000 00 

5,000 00 

25,000 00 

25,000 00 
50,000 00 



154 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



1,000 shares Pennsylvania Railroad Company 
183 " Edison Elec. Light Co. of Phila., 
100 " Pennsylvania Railroad Company, 
100 " Finance Co. of Pennsylvania, 
Toledo, Ohio, Electric Street Railway bonds, 
Philadelphia & Reading Railroad bonds, 
Waterbury, Conn., Traction Company's bonds 
Cent. R'y & Elec. Co. of New Britain, Conn., 
265 shares Minnesota Title Ins. & Trust Co., 
Philadelphia & Reading Coal & Iron Company 
Springfield, Ohio, Street Railway bonds, 
50 shares Western Union Telegraph Co., 
350 " Philadelphia Traction Company, 
1,000 " Lehigh Valley Railroad, 
1,000 " Philadelphia Traction Company, 
Camden Horse Railway Company bonds, 
Woodstown, N. J., water company bonds, 
Camden, N. J., bonds, .... 
350 shares Metropolitan Traction Company, 
95 " West Chicago Street Railway Co., 
98 " United Gas Improve. Co. of Boston 
Norfolk & Western Railway Company, . 
Philadelphia & Reading Railroad Company, 
600 shares Philadelphia Traction Company, 
175 " Metropolitan Traction Company, 
200 " West Chicago Street Railway Co., 
Buffalo & Susquehanna Railroad bonds, . 
United States government bonds, 
Consolidated Traction Co. of New Jersey bds. 
City Water & Light Co. of Abilene, Kan., 
Scioto Water Company bonds, . . . . 
Kansas Water & Light Compan}^ bonds, . 
Crawfordsville Water & Light Co. bonds, 
United Terminal Railway bonds, 
Cape Girardeau Southwestern bonds, 
Richfield, Kan., school bonds, . 
Consolidated Gas & Electric Light Co., bonds 
Topeka Water Company bonds, 
Shelbyville, 111., Water & Light Co. bonds, 
Indiana Water & Light Company bonds, 
American Debenture Company bonds, 
Toledo & Ohio Central Extension Company, 
Assignment of mortgage at Easton, Penn., 
50 shares Fidelity Ins , Trust & Safe Dep. Co. 
200 shares United Gas Improvement Company 
Bay State Gas Company bonds, 
Dutchess County Railway Company bonds, 
Union Pacific, Denver & Gulf R'y Co. bonds, 



Market Value 

|51,000 00 
21,502 50 
5,100 00 ) 
10,400 00 S 
20,000 00 
25,330 00 
39,900 00 
39,900 00 
25,175 00 
4,900 00 ) 
900 00 S 
4,350 00 
34,825 00 
140,000 00 
99,000 00 
4,000 00 a 
10,000 00 V 
16,100 00 ) 
37,100 00 ) 
11,993 75 j 
7,105 00 j> 
3,270 00 | 
3,000 00 J 
59,700 00] 
18,550 00 
25,250 00 \ 
10,000 00 j 
14,040 00 j 
87,210 00 
15,000 00^ 
3,000 00 
2,000 00 
2,400 00 
9,750 00 
2,000 00 
2,700 00 
4,750 00 
3,000 00 
1,350 00 
6,750 00 
2,000 00 
4,500 00 
6,000 00 J 
22,750 00] 
14,500 00 I 
20,640 00 [ 
6,300 00 j 
4,000 00 J 



Loaned Thereon. 

$40,000 00 
18,300 00 

10,000 00 

15,000 00 
17,000 00 
25,000 00 
25,000 00 
13,200 00 

4,500 00 

2,000 00 

30,000 00 

100,000 00 

50,000 00 

• 25,000 00 



50,000 00 



100,000 00 



67,000 00 



}> 65,000 00 



50,000 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



155 



600 shares Philadelphia Traction Company, 
100 " Metropolitan Traction Company, 
100 " Baltimore Traction Company, 
100 " Baltimore Traction Company, 
300 " Philadelphia Traction Company, 
100 " West Chicago Street Railway Co., 
200 " United Gas Improvement Company 
Consolidated Traction Co. of N. J. bonds, 
400 shares Philadelphia Traction Company, 
300 " Duqnesne Traction Company, 
200 " Baltimore Traction Company, 
400 " People's Traction Co. of Phila., 
125 " Metropolitan Traction Company, 
100 " Electric Traction Co. of Phila , 
100 " Lehigh Ave. Pass. Ry. Co. of Phila 
200 " Philadelphia and Erie Railroad Co 
100 " Lehigh Coal and Navigation Co., 
Saginaw (Mich.) St Railway Company bonds 
1,500 shares Saginaw, Mich., Street R'y Co., 
Boston United Gas Company bonds, 
Phoenix Iron Company bonds, . 
Assign, of mort. on prop, at Phoenixville, Pa 
Hutchinson (Kan.) Water, L. and P. Co. bonds 
6,000 shares Hutch. (Kan ) W., L. and P. Co 
200 shares Kan. First M. Co. and other collat 
Mortgages assigned, .... 



Market Value. 

$59,700 00 

10,600 00 

1,650 00 

1,650 00 

29,850 00 

12,625 00 

14,500 00 

12,825 00 

39,800 00 

8,700 00 

3,300 00 

21,200 00 

13,250 00 

8,700 00 

4,600 00 

5,900 00 

4,900 00. 

213,750 00 

75,000 00 

40,000 00 

51,000 00 

16,657 26 

73,600 00 

18,000 00 



Loaned Thereon. 

\ $50,000 00 
J 

} 50,000 00 
i 

) 

\ 50,000 00 

) 

1 



} 



50,000 00 

80,000 00 

25,000 00 
41,000 00 

90,000 00 



385,861 20 385,861 20 



1,332,808 71 $2,110,934 77 



Schedule B. 
Stocks and Bonds owned by the Company. 



United States registered consols, 
Pennsylvania Railroad bonds, . 
Pennsylvania Equipment Trust certificates, 
American Steamship Company bonds, 
Northern Central Railway bonds, . 
North Pennsylvania Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Phila., Reading & New England R.R. bonds, 
North East Pennsylvania Railroad bonds, 
Cornwall & Lebanon Car Trust certificates, 
Allentown & Bethlehem, Pa., bonds, 
Pitts., Cin., Chic. & St. Louis Railway bonds, 
Hestonville, Mantua & Fairmount R.R. Pass 

Company of Philadelphia bonds, . 
New York, Phila. & Norfolk Car Trust certs., 
Trenton, N. J., Pass. Railway bonds, 



Par Value. 

$115,000 00 

206,000 00 

50,000 00 

25,000 00 

110,000 00 

100,000 00 

367,000 00 

122,000 00 

100,000 00 

47,000 00 

90,000 00 

50,000 00 

50,000 00 
116,000 00 
100,000 00 



Market Value. 

$130,237 50 

249,655 00 

50,000 00 

25,750 00 

122,100 00 

127,000 00 

374,000 00 

47,000 00 

95,000 00 

47,705 00 

101,700 00 

52,000 00 

53,500 00 
116,000 00 
107,000 00 



156 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Buffalo & Susquehanna Railroad bonds, . 
Dutchess County Railroad Company bonds, 
Northwestern N. C. Railroad bonds, 
E. Tenn., Va. & Ga. & Rich. & Dan. R.R. bonds 
Marietta & N. Georgia Railway bonds, . 
Norfolk & Western Railroad bonds, 
Col. & Cincinnati, Ohio, Midland R.R. bonds, 
Ohio River Railroad bonds, 
Toledo Belt Railway bonds, 
Toledo, Ohio, Electric Street Railway bonds, 
Toledo & Ohio Central Extension R.R. bonds, 
Zanesville & Ohio River Railway Co. bonds, 
Grand Rapids & Indiana Railroad bonds, 
Terre Haute & Logansport, Ind., R R. bonds, 
Chicago & West Michigan Railway bonds, 
Jacksonville, Louisville & St. Louis R'y bonds 
Jacksonville Southeastern Railway bonds, 
Venice & Carondelet Railway bonds, 
Sioux City, Iowa, Terminal Railroad bonds, 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis & Duluth Railroad bonds, . 
Duluth, Minn., Street Railway bonds, 
Kansas City, Mo , Cable Railway Co. bonds, 
St. Louis Merchants Bridge Company bonds, 
United Sec. Life Ins. & Trust Co. of Penn. b'ds 
Union League of Philadelphia bonds, 
Abington Township, Penn., bonds, . 
Chester, Penn., bonds, .... 
West Chester, Penn , Gas Company bonds, 
Duquesne Club, Pittsburgh, Penn., bonds, 
Johnstown, Penn , School District bonds, 
McKeesport, Penn., School District bonds, 
Salem, N. J., bonds, . .... 
County of Rockbridge, Va., bonds, . 
City of Charleston, W. Va., school bonds, 
City of Wilmington, N. C, bonds, . 
City of Winston, N. C, bonds, 
Winston Township, N. C, bonds, 
Durham, N. C, bonds, .... 
City of Fernandina, Fla., bonds, 
Board of Education of Xenia, Ohio, bonds, 
Findlay, Ohio, bonds, 
Ravenna, Ohio, bonds, 
City of Lima, Ohio, bonds, 
Louisville, Ky., City bonds, 
Evansville, Ind., bonds, . 
Chicago, 111., bonds, . 
St. Joseph, Mo., bonds, . 



Par Value. 

$50,000 00 

15,000 00 

105,000 00 

100,000 00 

105,000 00 

100,000 00 

150,000 00 

100,000 00 

97,000 00 

100,000 00 

125,000 00 

120,000 00 

100,000 00 

100,000 00 

100,000 00 

53,000 00 

17,000 00 

200,000 00 

150,000 00 

100,000 00 

50,000 00 

50,000 00 

40,000 00 

75,000 00 

50,000 00 

30,000 00 

20,000 00 

100,000 00 

60,000 00 

121,000 00 

50,000 00 

57,000 00 

50,000 00 

•65,000 00 

55,000 00 

90,000 00 

60,000 00 

65,000 00 

70,000 00 

32,000 00 

20,000 00 

50,000 00 

60,000 00 

150,000 00 

50,000 00 

45,000 00 

50,000 00 

100,000 00 



Market Value. 

$49,000 00 
13,500 00 
60,900 00 
55,000 00 
12,600 00 
95,000 00 

131,250 00 

100,000 00 
97,000 00 

100,000 00 

100,000 00 
20,400 00 
25,000 00 

110,000 00 
68,000 00 
33,125 00 
17,000 00 

200,000 00 

120,000 00 

124,500 00 
60,000 00 
50,000 00 
40,000 00 
78,750 00 
50,500 00 
30,600 00 
21,000 00 

106,500 00 
61,800 00 

121,000 00 
52,500 00 
60,990 00 
52,000 00 
66,625 00 
60,500 00 
92,700 00 
61,500 00 
67,600 00 
72,800 00 
32,640 00 
20,200 00 
52,500 00 
63,000 00 

157,500 00 
60,000 00 
45,000 00 
52,500 00 

110,000 00 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



157 



Atchison, Kan., bonds, .... 

City and Township of Independ'ce, Kan., b'ds 

County of Saline, Kan., bonds, 

Minneapolis General Electric Company bonds 

City of Duluth, Minn., bonds, 

Lincoln City, Neb., bonds, 

Nebraska City, Neb., bonds, 

Hastings, Neb., bonds, 

City of Beatrice, Neb., bonds, 

City of Hastings, Neb., bonds, 

Commercial Club, Ft. Worth, Tex., bonds, 

National Water Works Investment Co., bonds 

National Water Works Co. of N. Y. bonds, 

Hudson Riv. Water Power & Paper Co. bonds 

Jamestown, N. Y., water bonds, 

Atlantic City, N. J., Water Works Co. bonds* 

Chillicothe, Ohio, Gas & Water Co. bonds, 

Hamilton & Rossville, O., Hydraulic Co. b'ds 

St. Jo., Mo., Water Company bonds, 

Joplin, Mo., Water Company bonds, 

Hot Springs, Ark., Water Company bonds, 

Union Stock Yard Co. of Sioux City, la., b'ds 

Burlington, Iowa, Water Company bonds, 

Boonville, Mo., Water Company Co. bonds, 

Champaign & Urbana, 111., Water & Electric 

Light Company bonds, .... 
Freeport, 111., Water Company bonds, 
Lincoln, Neb., Gas Company bonds, 
Austin, Tex., Water Company bonds, 
660 shares Sioux City, Iowa, Traction Co., 
500 " Delaware Insurance Co., Phila., 
100 " Western National Bank, Phila., 
76 " Bank of North America, Phila., 
■50 " Girard National Bank, Phila., 



Par Value. 

$75,000 00 
23,200 00 
84,000 00 
50,000 00 
50,000 00 
40,000 00 

100,000 00 

100,000 00 
50,000 00 
13,000 00 
20,000 00 

100,000 00 

100,000 00 
50,000 00 

150,000 00 
88,000 00 
83,500 00 
35,000 00 

100,000 00 
70,000 00 

100,000 00 
90,000 00 
30,000 00 
50,000 00 

100,000 00 

102,000 00 

50,000 00 

130,000 00 

66,000 00 

12,500 00 

5,000 00 

7,600 00 

2,000 00 



Market Value. 

$63,750 00 
24,128 00 
86,520 00 
49,000 00 
51,250 00 
42,000 00 

103,000 00 

101,000 00 
51,500 00 
13,260 00 
20,800 00 

100,000 00 
90,000 00 
51,500 00 

154,500 00 
88,000 00 
84,335 00 
35,350 00 

105,000 00 
72,800 00 

102,750 00 
81,000 00 
31,500 00 
49,000 00 

98,000 00 

105,060 00 

50,000 00 

104,000 00 

49,500 00 

11,000 00 

9,200 00 

20,064 00 

4,400 00 



Cost value, 



',476,800 00 $7,134,794 50 
. 7,117,788 05 



"THE PHGENIX MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated May, 1851. Commenced business May, 1851.] 

Jonathan B. Bunce, President. Charles H. Lawrence, Secretary. 

Income. 
Cash received for premiums on new policies, .... $287,205 53 



Cash received for renewal premiums, 



757,562 67 



158 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, ..... 



Total 

Deduct amount paid for reinsurance, 

Total premium income, .... 
Cash received for interest, .... 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on real estate sold, . 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



$117,860 61 

22,306 72 

7,588 17 

4,854 00 
1,183 00 

1,198,560 70 
5,787 96 



11,192,772 74 

514,098 82 

678 92 

35,387 60 

6,293 13 

11,749,231 21 
9,781,569 30 



Total, 



$11,530,800 51 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 

policies, $13,656.16 ; voided by lapse, $1,831.40, . 
Premium notes or loans used in payment of dividends to 
policy-holders, ........ 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, . . . 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy-holders, . . 
Cash paid for commissionsto agents, new policies, $158,425.39 

renewals, $57,111.28, 

for salaries and allowances to managers and agents 
for medical examiners' fees and inspections, . 
for salaries of officers and home office employees, 



$612,376 07 

31,622 54 

159,558 86 

3,602 64 

$807,160 11 
1,875 00 

15,487 56 

303 91 

761 93- 

117,860 61 

22,306 72 

109,358 26 

7,588 17 

4,854 00 



.,087,556 27 

215,536 67 
60,340 33 
32,037 43 
58,750 64 



THE PHGENIX MUTUAL LIFE INSURANCE COMPANY. 



159 



Cash paid for taxes on premiums, 

for taxes on reserves, $23,982.06 ; on investments, 
$17,840.79, 

for fees, licenses, etc., 

for rent, ......... 

for furniture and office fixtures, .... 

for advertising and printing, ..... 

for real estate expenses, . . ... 

for legal expenses, 

for incidentals, 

Profit and loss account, . 



$7,694 58 

41,822 85 

5,407 14 
18,195 40 

1,216 10 
26,248 41 
18,805 55 

8,452 12 
20,373 52 

9,101 96 



Total disbursements, 
Balance, 



,611,538 97 



,919,261 54 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, ...... 

Ledger assets (as per balance), 



$939,692 77 

5,633,589 50 

5,600 00 

142,493 60 

558,770 01 

2,262,538 71 

198 93 

376,378 02 



>,919,261 54 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 

New Business. 

Uncollected premiums on policies 

in force, $45,080 74 

Deferred premiums on policies in 

force, 23,731 73 



Total, ...... $68,812 47 

Deduct loading (20 per cent.), . 13,762 49 



Net amount of uncollected and de- 
ferred premiums, . . . $55,049 98 



Renewals. 

$38,132 97 

62,267 08 

$100,400 05 
20,080 01 



,320 04 



128,628 73 
51,722 29 



135,370 02 



Total assets, per company's books, , 



$10,234,982 58 



160 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



Liabilities. 

Computed premium reserve or net present value of all out 

standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, .... 

Net reinsurance reserve, ...... 

Extra reserve for special classes of policies (estimated), 
Death losses and matured endowments in process of adjust- 
ment, .......... 

Premiums paid in advance, . . . 

Reserve on real estate account, . . ... 

Liabilities as to policy-holders, . . 

Surplus as regards policy-holders, ..... 



1,253,496 00 
17,640 00 



1,235,856 00 

287,293 00 

18,249 00 

9,385 66 

138,093 77 

,688,877 43 

546,105 15 



Gross liabilities, . 



$10,234,982 58 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, 
Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Voided by lapse, ...... 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, ■ ... 

Balance note assets Dec. 31, 1894, 



,225 18 

13,656 16 

1,831 40 

303 91 

10,731 82 



$620,518 48 



61,748 47 



. $558,770 01 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 





Number. Amount. 


Whole life, 


. 13,669 $22,489,989 00 


Endowment, 


. 7,724 10,868,464 00 


All other, . 


27 111,000 00 ' 


Reversionary 


additions, . - 213,070 00 




Policies issued during the Year 


Whole life, 


. 3,176 $6,502,944 00 


Endowment, 


. 2,200 3,326,214 00 


All other, . 


38 108,500 00 




Old Policies revived. 


Whole life, 


6 $14,000 00 


Endowment, 


8 9,200 00 



Total No. 



Total Amount. 



21,420 $33,682,523 00 



5,414 9,937,658 00 



14 



23,200 00 



THE PHOENIX MUTUAL LIFE INSURANCE COMPANY. 



161 



Old Policies changed and increased. 







Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


• • 


11 


$47,000 00 




Endowment, 


. . 


21 


45,150 00 




All other, . 


• 


62 


108,000 00 

01 


$ 200,150 00 








Additions by 


dividends, 


• • 


. o — 


38,644 00 



Total, 



Whole life, 
Endowment, 
All other, . 



26,942 $43,882,175 00 



Policies terminated during the Year. 

. 2,364 $4,721,827 00 

. 1,755 2,684,649 00 

26 94,650 00 





4,145 


$7,501,126 00 




How terminated. 


By death, . 


381 


$564,086 00 


maturity, 


170 


163,028 00 


expiry, 


1 


3,000 00 


surrender, . 


247 


465,146 00 


lapse, .... 


1,492 


2,702,715 00 


change and decrease, . 


290 


703,732 00 


Not taken, .... 


1,564 


2,899,419 00 



4,145 7,501,126 00 



Policies in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



14,498 $24,332,106 00 

8,198 11,564,379 00 

101 247,500 00 

237,064 00 



22,797 $36,381,049 00 



Schedule A. 
Securities held as Collateral. 



20 shares Natfl Fire Insurance Co., Hartford, . 
28 shares Merrick Thread Company, Holyoke, 



Schedule B. 



Market Value. Amount Loaned. 

$2,800 00 ) 
7,000 00 > 



i,600 00 



$9,800 00 $5,600 00 



Stocks and Bonds owned by the Company. 

Actual Cost. Market Value. 

Erie Consolidated mortgage bonds, . . $120,833 75 $181,000 00 

Chicago, Milwaukee & St. Paul bonds, . . 50,375 00 57,500 00 

Vermont Valley Railroad Company bonds, . 103,750 00 108,000 00 



162 



THE PHOENIX MUTUAL LIFE INSUKANCE COMPANY. 



Hartford & Connecticut Western R.R. bonds, 
St. Louis & San Francisco Railroad bonds, 
Louisville, New Albany & Chicago R'y bonds 
Louis. & Frank., and Lex. & Frank. R.R. bds, 
Flint & Pere Marquette Railroad bonds, . 
Chicago, Rock Island & Pacific R'y bonds, 
Baltimore Belt Railroad bonds, 
Tarkio Valley Railroad bonds, . , 

Indiana & Lake Michigan R'y bonds, 
Lake Shore & Michigan Southern R'y bonds, 
Chesapeake & Ohio Railway bonds, 
Hannibal & St. Joseph Railroad bonds, . 
Cleveland, Columbus, Cin. & Ind. R.R. bonds 
Evansviile & Indianapolis Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Northern Pacific Railroad bonds, 
Cincinnati, Dayton & Ironton Railway bonds 
St. Paul & Northern Pacific Railway bonds, 
Lehigh Valley Terminal Railway bonds, 
Ohio & West Virginia Railway bonds, . 
Phila. & Reading Coal & Iron Company bonds 
Chicago & Western Indiana Railroad bonds, 
Indianapolis & St. Louis Railroad bonds, 
Belleville & Southern Illinois Railroad bonds 
Nashville & Decatur Railroad bonds, 
Philadelphia & Reading Railroad bonds,. 
Cin., Indianapolis, St. Louis & Chicago bonds 
Chicago & Northwestern Railway bonds, 
Elizabethtown, Lexing. & Big Sandy R.R. bds. 
Western Union Telegraph Company bonds, 
Niagara Falls Park debenture bonds, 
Co. of Middlesex, Prov. of Ont , D. of C. debs. 
State of Virginia bonds, .... 
County of Licking, Ohio, bridge bonds, . 
County of Pierce, Wash., funding bonds, 
City of Blair, Washington County, Neb., bonds 
City of Columbus, Ohio, bonds, 
City of Lincoln, Neb., bonds, . 
City of Topeka, Kan., bonds, . 
City of Urbana, Ohio, bonds, . 
City of Kansas City, Kan., bonds, 
City of Cold water, Mich , bonds, 
City of Fostoria, Ohio, bonds, . 
City of Seattle, Wash., bonds, . 
City of St. Paul, Minn., certificate, 
City of Portland,. Ore., bonds, . 
City of Cheyenne, Wyo., bonds, 
Ogden City, Utah, bonds, . 



Actual Cost. 

$50,000 00 
44,460 00 
27,420 00 
16,600 00 
50,000 00 
24,556 25 
25,375 00 
16,518 75 
10,000 00 
30,062 50 
18,375 00 
28,250 00 

5,775 00 
27,500 00 
28,681 25 
15,550 00 

9,550 00 
17,362 50 
51,875 00 
47,200 00 
33,940 00 
91,052 50 

8,435 00 
55,950 80 
22,400 00 
51,250 00 
19,305 00 
41,250 00 

9,925 00 
22,200 00 
103,747 60 
31,800 00 
10,500 00 
15,300' 00 
52,000 00 

5,075 00 
23,243 50 
44,705 00 
38,408 67 
26,750 00 
16,319 64 
35,525 00 
10,000 00 
25,000 00 
31,155 00 
59,325 00 
30,000 00 

7,720 00 



Market Value. 

$50,000 00 

45,200 00 

26,500 00. 

15,600 00 

42,500 00 

25,500 00 

26,000 00 

16,350 00 

10,300 00 

30,500 00 

23,250 00 

30,000 00 

6,000 00 

25,500 00 

29,500 00 

15,300 00 

10,100 00 

17,550 00 

54,500 00 

47,200 00 

33,000 00 

94,400 00 

8,400 00 

53,500 00 

22,400 00 

52,500 00 

19,080 00 

41,300 00 

9,925 00 

22,400 00 

103,747 00 

31,800 00 

10,500 00 

15,000 00 

52,000 00 

5,000 00 

22,700 00 

45,000 00 

37,670 00 

26,750 00 

16,000 00 

35,000 00 

10,000 00 

25,000 00 

31,000 00 

59,325 00 

30,000 00 

8,000 00 



THE PHOENIX MUTUAL LIFE INSURANCE COMPANY. 



163 



City of Roanoke, Va., bonds, . 

City of Greensboro 1 , N. C, bonds, 

City of Beatrice, Neb., bonds, . 

School District of Sioux City, Iowa, 

School District of Superior, Neb., 

School District of Syracuse, Neb., 

School District of Stan bury, Mo., 

School District of Trenton, Mo., 

School District of Rockport, Mo., 

School District of Barnard, Mo., 

School District of Eaton, Mo., . 

School District No. 5, Sheridan, Mo 

School District of Mankato, Minn., 

School District No v 37, Humboldt, Neb., . 

School District of Onawa, Iowa, 

School District No. 15, Nelson, Neb., 

Sch. Dist. No. 2, Lewis and Clarke Co., Mont. 

School District No. 29, Polk County, Ore., 

Sch. Dist No. 1, Lewis and Clarke Co., Mont. 

School Dist. No. 1, County of Laramie, Wyo. 

Sch. Dist No. 1, Colfax, Whitman Co., Wash. 

School District No. 1, Portland, Ore., 

School District No. 5, Denver, Col., . 

200 shares Charter Oak Natl B'k, Hart., Conn 



200 

35 
100 
644 

37 
200 
300 

50 
116 
100 
284 

50 
500 



First National Bank, Hart., Conn., 
JEtna National Bank, Hart., Conn. 
Mercantile Natl B'k, Hart., Conn. 
American Natl Bank, Hart., Conn. 
Farm. & Mech. Nl B'k, Hart., Conn. 
Phoenix Natl Bank, Hart., Conn., 
Natl Exchange Bank, Hart., Conn. 
United States Bank, Hart., Conn., 
City Bank of Hartford, Conn., 
Security Company, Hartford, Conn. 
Hartford City Gas Light Company 
N. Y., New Haven & Hart.R.R., 
Fort Wayne & Jackson R.R. Co., 



New York, New Haven & Hart. R.R. bonds, 



Actual Cost. 

$10,500 00 

4,590 00 

4,040 00 

34,825 00 

12,600 00 

10,350 00 

6,030 00 

19,800 00 

1,005 00 

502 50 

1,909 50 

1,648 00 

15,247 50 

9,135 00 

3,030 00 

17,900 00 

10,100 00 

12,840 00 

25,687 50 

21,000 00 

30,150 00 

25,250 00 

2,500 00 

19,662 00 

22,255 00 

3,500 00 

6,950 00 

37,173 00 

4,080 00 

26,000 00 

18,900 00 

5,000 00 

12,156 00 

10,000 00 

7,350 00 

9,020 00 

55,500 00 

2,000 00 



Market Value. 

$10,500 00 

4,500 00 

4,000 00 

35,000 00 

12,600 00 

10,200 00 

6,000 00 

2\000 00 

1,000 00 

500 00 

1,900 00 

1,600 00 

15,000 00 

9,000 00 

3,000 00 

17,900 00 

10,000 00 

12,720 00 

25,500 00 

21,000 00 

30,000 00 

25,250 00 

2,500 00 

19,000 00 

22,000 00 

4,550 00 

9,000 00 

45,080 00 

4,144 00 

25,000 00 

18,600 00 

15,000 00 

12,180 00 

15,000 00 

9,940 00 

9,650 00 

57,500 00 

2,700 00 



1,262,538 71 $2,314,261 00 



164 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



"PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated March 22, 1865. Commenced business June, 1865.] 

Paid-up Capital, $1,000,000. 

Samuel R. Shipley, President. Asa S. Wing, Vice-Pres. and Actuary. 



Income. 

Cash received for premiums on new policies, . . , 
Cash received for renewal premiums, .... 
Premium notes received for renewals, .... 
Dividends applied to pay running- premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, . 

Total, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company^ property, 
for profits on securities sold, 
on investments of capital,* . 

Total income, . . 
Net or ledger assets Dec. 31, 1893, .*-... 



$420,000 00 

2,964,456 98 

2,340 32 

489,709 54 

93,822 61 

104,372 00 

34,730 00 

$4,109,431 45 

1,216,556 08 

636 91 

23,170 61 

39,427 10 

47,170 00 

$5,436,392 15 

24,044,906 50 



Total, . 



$29,481,298 65 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 
on matured instalment policies, . . 

Gross amount paid for losses and endowments, 



$971,142 95 

464,674 00 

200 00 



.,436,016 95 



* The charter, besides authority to transact a life insurance business, confers also authority 
to act as administrator, executor, etc., to transact what is known as a trust business. The rela- 
tions of the two departments of the business are fixed by the provisions of the charter. The 
accounts are kept entirely distinct and separate. The entire surplus in the insurance depart- 
ment accumulates for the benefit of the policy holders. The only advantage, direct or indirect, 
which the stockholders can at any time have from the union of the two features of the business, 
results from the fact that the management of the trust business, from which they derive their 
profits, is done for them without charge. This includes the interest on the capital. 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 165 



Cash paid to annuitants, 

Premium notes or loans used in payment of dividends to 

policy-holders, 

Cash dividends paid policy-holders, 

applied to pay running premiums, . 
applied to purchase paid-up additions and an 

nuities, 

Surrender values paid in cash, ...... 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, ...... 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $61,891.90 

renewals, $247,567.61, 

for salaries and allowances to managers and 

agents, 

for medical examiners 1 fees and inspections, . 
for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, $3,861.16 ; on investments 

112,950.00, .... 
for fees, licenses, etc., 

for rent, 

for furniture and office fixtures, 
for advertising and printing, . 
for incidentals, .... 
Profit and loss account, .... 



|27,708 40 

2,785 40 

58,364 44 

489,709 54 

93,822 61 
315,018 49 

104,372 00 

52,527,797 83 
47,170 00 

309,459 51 

25,567 33 

19,249 88 

143,688 67 

45,693 64 

16,811 16 
5,527 37 
13,143 33 
24,076 87 
23,404 23 
38,555 10 
4,254 21 



Total disbursements, . 
Balance, 



. $3,244,399 13 



$26,236,899 52 



Invested in the f ollowin£ : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets (as per balance), . ' . 
Deduct depreciation from cost of assets, 



$1,445,750 95 

11,191,399 90 

1,300,181 32 

1,870,928 40 

22,176 77 

10,261,949 22 

144,512 96 



$26,236,899 52 
141,375 00 



Total net or ledger assets, 



o 



$26,095,524 52 



166 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Other Assets. 



Interest due and accrued, . 
Rents due and accrued, 



$292,319 03 
2,681 40 



New Business. 



Renewals. 



Uncollected premiums on policies in 



force, 



. $24,410 53 $219,694 77 



Deferred premiums on policies in 



force, 



. 56,897 00 512,073 01 



Total, $81,307 53 $731,767 78 

Deduct loading (20 per cent.),. . 16,26151 146,353 55 



Net amount of uncollected and de- 
ferred premiums, .... $65,046 02 $585,414 23 

Total assets, per company's books, . 



650,460 25 
$27,040,988 20 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent ), 
Death losses and matured endowments in proc 

ess of adjustment, 
Due and unpaid on annuity claims, . 
Present value of unpaid instalments, 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 
Reserve on lapsed policies, 
All other liabilities, . 



$23,420,329 00 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 

Gross liabilities, 



$40,988 00 
3,854 33 
1,504 00 



$3,300,791 81 



46,346 33 

51,069 24 

99,758 26 

122,496 00 

197 56 

$23,740,196 39 

1,000,000 00 
2,300,791 81 

$27,040,988 20 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, . . $23,125 10 

Premium notes received during 1894, . . 2,340 32 

Total, ___ $25,465 42 

Used in payment of dividends to policy- 
holders, ........ $2,785 40 

Redeemed by maker in cash, . . . . 503 25 

Total, 3,288 65 

Balance note assets Dec. 31, 1894, $22,176 77 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 167 



Exhibit of Policies. 





Policies and Additions in Force Dec. 31, IS 93. 






Number. Amount. Total Number. Total Amount. 


Whole life, 


. 2,762 |10,019,812 00 




Endowment, 


. 26,150 77,751,335 00 




All other, . 


. 2,453 11,284,460 00 




Reversionary 


additions, . - 774,555 00 






SI S65 


$99,830,162 00 








Policies issued during the Year. 




Whole life, 


323 $1,373,195 00 




Endowment, 


. 2,399 6,246,909 00 




All other, . 


899 4,101,716 00 






__ — 3,621 


11,721,820 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

7 $23,500 00 

463,000 00 



127 
18 



81,661 00 



152 



568,161 00 



Old Policies changed and increased. 



Whole life, 
Endowment, 
All other, . 


19 

96 

6 


$97,500 00 

359,433 00 

23,500 00 


Additions by dividends, . 
Total, , 


. 



121 



480,433 00 
146,954 00 



35,259 $112,747,530 00 



Policies terminated during the Year. 

Whole life, . . 210 $727,607 00 

Endowment, . . . 1,918 5,601,602 00 
All other, 589 2,746,397 00 



2,717 



1,075,606 00 



How terminated. 



By death, . 


267 


$952,342 00 


maturity, 


167 


464,674 00 


expiry, . . . 


1 


2,000 00 


surrender, . 


753 


2,307,396 00 


lapse, . 


1,320 


4,245,107 00 


change and decrease, 


121 


815,887 00 


Not taken, . 


88 


288,200 00 



2,717 9,075,606 00 



168 PEOVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Policies in Force Dec. 31, 1894. 





Number. Amount. Total No. Total Amount 


Whole life, 


. 2,901 $10,786,400 00 


Endowment, 


. 26,854 79,219,075 00 


All other, . 


. 2,787 12,821,062 00 


Reversionary additions, 


845,387 00 

oo k\o fino a-r-t ficij aa 




OA i O'±£ f iUO,0( L,c/^db \J\J 




Schedule A. 



Securities held as Collateral. 

Market Value. 

$8,700 00 

Philadelphia Traction Company, . 19,600 00 

People's Bank, 

Philadelphia & Gray's Ferry Ry 

Union Passenger Railway, . 

United Firemen's Insurance Co., 

Lehigh Coal & Navigation Co., 

United Gas Improvement Co., 

Metropolitan Traction Company 
Delaware River Terminal Company bonds, 
Philadelphia & Reading Railroad bonds, 
Consolidated Tract. Company of New Jersey 
200 shares West Chicago Street Railroad, 



100 shares Electric Traction Company, 
200 

25 

10 

80 

307 

500 

1,650 

450 



100 " North Chicago Street Railroad, 
100 " United Gas Improvement Co., 
500 " Metropolitan Traction Company 

1,000 " Baltimore Traction Company, 
500 " Philadelphia Traction Company 

Union Pacific, Denver & Gulf Railway, . 

Ashtabula & Pittsburg Railway, 

Grand Rapids & Indiana Railroad, . 

3,300 shares Consol. Tract. Co. of New Jersey, 

2,825 " Metropolitan Traction Company, 
100 " Electric Storage Battery Co., 
300 " United Gas Improvement Co., 

Consol. Traction Company of New Jersey, 

2,000 shares Lehigh Valley Railroad, 

28 " Mortgage Trust Co. of Penn., 
300 " Philadelphia Traction Company, 

Lehigh Coal & Navigation Company, 

900 shares Metropolitan Traction Company, . 

700 " Baltimore Traction Company, 
50 " Philadelphia Traction Company, . 

660 " Union Passenger Railway, 

Philadelphia city bonds, . 

100 shares Fourth Street National Bank, Phila., 



4,500 00 

820 00 

16,000 00 

3,070 00 

24,000 00 

118,800 00 

48,150 00 

1,700 00 

5,500 00 

1,700 00 
25,200 00 
26,300 00 

7,200 00 
53,500 00 
16,000 00 
49,500 <00 

4,000 00 

1,100 00 

2,000 00 
102,300 00 
302 275 00 

3,350 00 

21,600 00 

318,750 00 

69,000 00 

3,416 00 
29,700 00 

2,680 00 
96,300 00 
11,200 00 

4,400 00 
132,000 00 

2,000 00 
15,900 00 



Loaned Thereon. 

$25,000 00 

16,600 00 
22,000 00 

150,000 00 

50,000 00 

50,000 00 

30,000 00 
4,000 00 

2,177 50 



)> 569,450 00 



49,426 73 
2,800 00 

18,000 00 
2,000 00 

100,000 00 

98,794 45 

1,750 00 

13,000 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 169 



Atlantic City Water Works bonds, . 
New York City Water Supply Co. bonds, 
Macon Gas Light & Water Company bonds, 
600 shares Philadelphia Traction Company, 
219 shares Mortgage Trust Co. of Penn., 



Market Value. 

$10,800 00 

6,300 00 

11,250 00 

59,400 00 

26,718 00 



Loaned Thereon. 

• $23,800 00 

49,382 64 
22,000 00 



$1,666,679 00 $1,300,181 32 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Penn. & N. Y. Canal and Railroad Co. bonds, . $233,750 00 $233,750 00 

Atlantic City Railroad bonds, .... 101,00000 101,00000 

Lehigh Valley Railroad bonds, . . . 46,350 00 46,350 00 

Richmond & Danville Railroad bonds, . . 117,370 00 117,370 00 

Philadelphia & Erie Railroad bonds, . . 55,460 00 55,460 00 

Verdigris Valley, Ind. & Western R.R. bonds, 42,500 00 42,500 00 

Central R R. Company of New Jersey bonds, . 57,500 00 57,500 00 

Western New York & Penn. Railroad bonds, . 65,720 00 65,720 00 

300 shares Central National Bank of Phila., . 108,000 00 108,000 00 

2,400 shares The United Gas Improve. Co., . 172,350 00 172,350 00 

Lehigh Valley Railroad bonds, . . . 333,500 00 414,230 00 

Easton & Amboy Railroad bonds, . . . 226,000 00 237,600 00 

Lehigh Coal & Navigation Company bonds, . 116,250 00 124,800 00 

Baltimore & Ohio Railroad bonds, . . . 150,000 00 168,000 00 

Northern Pacific Railroad bonds, . . , 152,792 50 160,740 00 

City of Louisville, Ky., bonds, .... 250,000 00 252,500 00 

Lehigh & Wilkesbarre Coal Company bonds, . 5,000 00 5,000 00 

Pennsylvania Railroad Con. mortgage bonds, 265,000 00 312,350 00 

Northern Central Railway bonds, . . , 225,000 00 247,500 00 

Kentucky & Indiana Bridge Company bonds, . 61,600 00 57,600 00 

Phila. & Baltimore Central Railroad bonds, . 110,000 00 115,500 00 

Texas & Pacific Railway bonds, . . . 111,000 00 122,100 00 

North Pennsylvania Railroad bonds, ..-..< 271,000 00 306,230 00 

Catasauqua & Fogelsville Railroad bonds, . 36,000 00 36,000 00 

Missouri Pacific Railroad bonds, . • . . 89,000 00 87,220 00 

Verdigris Valley, Ind. & Western R.R. bonds, 49,500 00 42,500 00 

Central Railroad Co. of New Jersey bonds, . 150,000 00 172,500 00 

City of Richmond, Va., bonds, .... 125,000 00 138,750 00 

West Philadelphia Passenger Railway bonds, 50,000 00 55,500 00 

Lynchburg, Va., bonds, . < . . . . 50,000 00 50,000 00 

Texas & Pacific Railway bonds, . . . 18,760 00 17,210 00 

New York, Lake Erie & Western R.R. bonds, . 50,000 00 50,000 00 

Philadelphia & Reading Railroad bonds, . 393,188 75 281,250 00 

City of Quincy, 111., bonds, .... 100,000 00 100,000 00 

City of St. Louis, Mo, bonds, .... 88,00000 91,52000 

Grand Rapids & Indiana Railroad bonds, . 96,000 00 40,000 00 

Western Pennsylvania Railroad bonds, . . 151,000 00 150,000 00 



170 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Lehigh Coal & Navigation Company bonds, 
Mercer County, Ky., bonds, 
Philadelphia & Erie Railroad bonds, 
Chicago, Rock Island & Pacitic R.R. bonds, 
City of Frankfort, Ky., bonds, . 
Penn. & New York Canal & Railroad bonds, 
Atlantic City Railroad bonds, . 
Car Trust of New York bonds, 
Wabash Railroad bonds, .... 
Cincinnati City Pavement bonds, 
Mortgage Trust Co. of Pennsylvania bonds, 
Belt R.R and Stock Yard Co. bonds, 
Philadelphia city bonds, .... 
Pennsylvania Railroad bonds, . 
Lehigh Valley Railway bonds, 
The Delaware River Ferry Co. of N. J. bonds 
Northern Pacific R.R. and Land Grant bonds, 
The Allentown Gas Company bonds, 
Philadelphia & Reading Railroad bonds, . 
N. Y., Lake E. & W. Dock & Imp. Co. bonds, 
City of Jersey City bonds, 
City of Chicago bonds, .... 
Chicago, Milwaukee & St. Paul Railw'y bonds 
Port Reading 1 Railroad bonds, . 
Philadelphia, Wil. & Raltimore R.R. bonds, 
Township of Up. Darby, Del. Co., Pa., bonds, 
County of Cook, 111., bonds, 
Co. of Hen'pin, Minn., C. II. & City Hall bonds 
Philadelphia & Reading Railroad bonds, . 
City of Cincinnati bonds, .... 
Port of Portland, Ore., bonds, . 
Philadelphia & Reading Railroad bonds, 
University of Pennsylvania bonds, . 

Chicago city bonds, 

Baltimore city loan, . 
Salt Lake city bonds, . . . . 
Trenton city bonds, ..... 
Northern Pacific Railroad bonds, 
Wilkesbarre & Scran ton Railway Co. bonds 
Virginia State bonds, .... 
Lynn & Boston Railroad Company bonds, 
United States bonds, 



Cost Value. 

$230,000 00 
100,000 00 
260,000 00 
325,133 75 
100,000 00 
250,000 00 

65,000 00 
109,950 00 

44,800 00 
3,000 00 
2,800 00 

30,000 00 

800 00 

124,000 00 

247,500 00 

19,110 00 
363,445 00 

49,500 00 

71,345 00 
206,850 00 
105,250 00 
200,000 00 

55,000 00 
200,000 00 
3,000 00 
127,000 00 
200,000 00 
212,000 00 
129,675 00 

51,000 00 

52,920 00 
188,370 00 

10,000 00 

. 26,609 22 

285,450 00 

75,000 00 

72,200 00 
100,000 00 
105,000 00 

59,150 00 

92,500 00 
585,000 00 



Market Value. 

$230,000 00 

70,000 00 

267,150 00 

332,800 00 

100,000 00 

233,750 00 

65,650 00 

122,500 00 

44,800 00 

3,015 00 

2,800 00 

30,900 00 

800 00 

126,480 00 

258,750 00 

21,000 00 

135,000 00 

52,250 00 

71,060 00 

206,850 00 

102,000 00 

202,000 00 

58,850 00 

180,000 00 

3,120 00 

127,000 00 

198,000 00 

212,000 00 

130,340 00 

50,250 00 

50,470 00 

178,360 00 

10,000 00 

26,609 22 

288,000 00 

77,250 00 

72,420 00 

100,000 00 

104,750 00 

59,500 00 

92,500 00 

585,000 00 



$10,261,949 22 $10,120,574 22 



PKOVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 171 



"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 

Paid-up Capital, $100,000. 

Sheppakd Homans, President. William E. Stevens, Secretary. 



Income. 

Cash received for premiums on new policies, .... 

Cash received for renewal premiums, 

Premium notes received for renewals, 

Surrender values applied to purchase paid-up insurance and 
annuities, 

Total . . 

Deduct amount paid for reinsurance, ..... 

Total premium income, ....... 

Cash received for interest, 

Cash received for rents of company's property, 



$344,489 93 

1,525,190 57 

281,581 89 

2,025 -45 

^2,153,287 84 
13,040 17 

^2,140,247 67 
47,824 25 
26,286 03 



Total income, ....„.., 
Net or ledger assets Dec. 31, 1893, . 

-LOtal, .*■••.. a.. 

Disbursements. 
Cash paid for losses and additions, ..... 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . . 
Cash paid to annuitants, ....... 

Cash dividends paid policy-holders, .... 

Cash dividends applied to pay running premiums, . 
Surrender values paid in cash, . . 
Surrender values applied to purchase paid-up insurance and 
annuities, ......... 



. $2,214,357 95 
. 1,410,725 75 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $218,597.43 

renewals, $85,958.16, 

for salaries and allowances to managers and agents 
for medical examiners' fees, .... 
for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on investments, .... 

for fees, licenses, etc., ..... 
for rent, .... , , , 



13,625,083 70 



,104,149 99 
22,000 00 



.,082,149 99 

1,581 40 

31,255 81 

281,581 89 

7,223 78 

2,025 45 

1,405,818 32 
6,977 60 

304,555 59 
14,177 83 
38,006 54 
81,103 37 
18,448 00 
2,490 04 
6,231 68 
19,988 03 



172 PKOVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Cash paid for furniture and office fixtures, 
for advertising and printing, . 
for real estate expenses, . 
for legal expenses, . 
for incidentals, 



Total disbursements, 
Balance, , 



Invested in the following : — 

Assets as per Ledger Accounts 
Cost value of real estate, . . , 
Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, ..... 
Agents" ledger balances, 



$2,650 52 
19,818 35 
10,843 56 
8,569 41 
48,490 03 

$1,988,168 87 

$1,636,9U 83 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . . 

Total net or ledger assets, 

Other Assets. 
Interest due and accrued, . . , . 

Rents due and accrued, 

Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, . 

New Business. 

Uncollected premiums on policies 

in force, ..... 
Deferred premiums on policies in 

force, ...... 



$235,668 92 
212,900 00 

9,613 92 
927,631 47 

3,329 02 
111,467 33 
136,304 17 

$1,636,914 83 
50,816 25 

$1,586,098 58 



23,466 55 

6,775 86 

15,000 00 

22,412 50 



Renewals. 



$42,304 52 
48,792 25 



Total, . 
Deduct loading (50 per cent), 

Net amount of uncollected and de- 
ferred premiums, 



191,096 77 
45,548 39 



),041 00 

126,718 95 

$175,759 95 
87,879 97 



$45,548 38 $87,879 98 



133,428 36 



Total assets, per company's books, . 

Items not admitted. 



.,787,181 85 



Agents' balances, 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, , « , 4 . „ , . , • 



13^,304 17 

$1,650,877 68 

65,517 50 

$1,585,360 18 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 173 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 percent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 
Death losses and matured endowments in 

ess of adjustment, . 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Gross liabilities, .... 



proc 



$149,280 00 
50,100 00 



$697,872 15 



$749,191 00 
5,445 00 



$743,746 00 



199,380 00 
5,159 53 

|948,285 53 
60,797 50 

$887,488 03 

100,000 00 
597,872 15 



fl,585,360 18 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, ... 530 $1,037,686 00 
Endowment, ... 549 790,760 00 

All other, .... 23,454 81,272,988 CO 

24,533 $83,101,434 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
434 $1,108,949 00 
175 310,590 00 

. 7,034 20,388,362 00 



7,643 21,807,901 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

r 11 $40,000 00 

6,500 00 

' 61 219,125 00 



72 



265,625 00 



Whole life, 
Endowment, 
All other, . 

Total, . 



Old Policies increased. 

$3,500 00 

8 5,000 00 

19 32,500 00 



27 



41,000 00 



32,275 $105,215,960 00 



174 PROVIDENT SAYINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Policies terminated during the Year. 





Number. 


Amount. 


Whole life, 


194 


$494,000 00 


Endowment, 


148 


214,266 00 


All other, . 


. 6,278 


20,482,656 00 




6,620 


$21,190,922 00 




How terminated. 


By death, . 


280 


$1,087,461 00 


expiry, ... 


5,147 


16,568,625 00 


surrender, . 


70 


135,600 00 


lapse, . 


165 


298,250 00 


change and decrease, 


15 


396,486 00 


Not taken, . 


943 


2,704,500 00 



Total No. 



Total Amount. 



6,620 $21,190,922 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 

781 $1,696,135 00 

584 898,584 00 
. 24,290 81,430,319 00 
. _ 25,655 



184,025,038 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

100 shares Chicago, Mil. & St. Paul R.R., . $ 12,012 50 $11,750 00 

100 " Chicago & Northwestern Railroad, 9,687 50 9,687 50 

25 " Citizens 1 N'l B'k, Englewood,N. J., 2,500 00 3,675 00 

20 " Macon, Ga., Savings Bank, . . l t 980 00 2,000 00 

50 " Provident Nat'l Bank, Waco, Tex., 5,000 00 5,500 00 

50 " Traders' Bank, Tacoma, Wash., . 5,750 00 5,000 00 

55 " Washington Trust Co , New York, 10,161 25 10,450 00 

American Cotton Oil Company bonds, . . 11,112 50 11,150 00 

Atchison, Jewell Co. and W. R.R. bonds, . 15,190 00 8,000 00 

Burlington, Cedar Rapids & N. R.R. bonds, . 29,250 00 28,575 00 

Central Railroad & Bridge Company bonds, . 9,950 00 9,950 00 

Chesapeake & Ohio Railroad bonds, . . 21,975 00 28,725 00 

Chicago, Burlington & Quincy R.R. bonds, . 10,137 50 10,350 00 

Chicago & Erie Railroad bonds, . . . 15,056 25 12,600 00 

Chicago, Rock Island & Pacific R.R. bonds, . 20,063 75 20,900 00 

United States bonds, . ..... 132,96250 121,44500 

Chicago & West Ind. Railroad bonds, . . 23,550 00 23,900 00 

Cleve., Cin., Chicago & St. Louis Ry. bonds, . 18,145 00 18,000 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,075 00 5,400 00 

Duluth, South Shore & Atlantic R.R. bonds, . 38,712 50 40,400 00 

E. Tennessee, Virginia & Georgia R.R. bonds, 19,170 00 20,825 00 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 175 



Englewood, N. J., school district bonds, . 

Fort Worth & Denver City Railroad bonds, 

General Electric bonds, .... 

Iowa Central Railroad bonds, . 

Kanawha & Michigan Railroad bonds, 

Missouri, Kansas & Texas Railroad bonds, 

Mobile & Ohio Railroad bonds, 

Montreal city bonds, .... 

New York, Chicago & St. Louis R.R. bonds, 

Northwestern Telegraph Company bonds, 

Ohio Southern Railroad bonds, 

Pittsburgh & Western Railroad bonds, 

Quebec government bonds, 

Richmond, Va., city bonds, 

Texas & Pacific Railroad bonds, 

Toledo, Ann Arbor & L. Michigan R.R. bonds 

Toledo & Ohio Central Railroad bonds, 

Union Pacific Railroad bonds, . 

Wabash Railroad bonds, . 

Fremont, Elkhorn & M. V. R.R. bonds, 

Indiana, Illinois & Iowa Railroad bonds, 

Lake Erie & Western Railroad bonds, 

Nash., Chatt. & St. Louis, McM., M. W. & A 

Railroad bonds, .... 
Oregon Improvement Company bonds, 
Oregon Short Line Railroad bonds, . 
Southern Railwav bonds, . 



Cost Value. 

$9,286 47 
29,837 50 
12,615 00 

8,975 00 
26,250 00 
23,582 50 
13,500 00 
43,357 50 
18,287 50 
15,900 00 

6,437 50 
25,137 50 
14,562 50 
10,100 00 
35,166 25 
18,500 00 

7,720 00 
13,450 00 
30,556 25 
38,287 50 
15,775 00 
32,081 25 



10,251 25 
12,786 25 
26,587 50 



Market Value. 

$9,286 47 
22,200 00 
11,190 00 

8,587 50 
27,518 75 
24,300 00 
13,200 00 
41,512 50 
20,500 00 
15,675 00 

4,500 00 
25,650 00 
13,905 00 
10,100 00 
34,700 00 
12,000 00 

8,920 00 

8,000 00 
31,500 00 
38,287 50 
15,500 00 
32,400 00 



11,200 00 11,200 00 



9,700 00 
13,275 00 
27,337 50 



f927,631 47 $899,227 72 



" THE PRUDENTIAL INSURANCE COMPANY OF AMERICA," 

NEWARK, N. J. 

[Incorporated 1873. Commenced business 1876.] 
Paid-up Capital, $2,000,000. 

John F. Dryden, President. Forrest F. Dryden, Secretary. 

Income. 
Cash received for premiums, . . 



Premium notes received for renewals, .... 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions, . 
Surrender values applied to purchase paid-up insurance, 

Total, 

Deduct amount paid for reinsurance, . . 

Total premium income, ...... 



$10,864,530 98 

6,454 14 

926 99 

1,429 07 

19,328 43 

$10,892,669 61 
2,367 41 

$10,890,302 20 



176 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Cash received for interest, .... 
Cash received for rents of company's property, 

Total income, . . . , 

Net or ledger assets Dec. 31, 1893, . . . 



Total, 



. $453,489 61 
113,542 20 

$11,457,334 01 
. 10,730,533 61 

$22,187,867 62 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid on matured instalment policies, . 

Gross amount paid for losses and endowments, 
Premium notes or loans used in purchase of surrendered 

policies, |453.93 ; voided by lapse, $1,141.28, 
Cash loans used in purchase of surrendered policies, 
Premium notes or loans used in payment of dividends to 

policy-holders, . . 
Cash dividends paid policy-holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions, . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 

Total paid policy-holders, . 
Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and allowances to managers and agents, 
for medical examiners' fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on premiums, . 
for taxes on investments, etc., . 
for fees, licenses, etc., . . 

for rent, 

for furniture and office fixtures, 
for advertising and printing, . 
for real estate expenses, . . 
for legal expenses, . 
for incidentals, .... 

Total disbursements, . 

Balance, 



13,190,958 75 
116 27 
100 00 

£3,191,175 02 

1,595 21 
7,782 35 

848 81 
9,709 83 

926 99 

1,429 07 

4,899 54 

19,328 43 

53,237,195 25 

200,000 00 

3,462,554 87 

1,479,765 52 

202,784 40 

420,458 06 

98,968 29 

52,966 63 

6,256 65 

64,244 04 

83,954 35 

158,029 91 

53,253 99 

22,682 15 

61,900 63 



),605,014 74 



$12,582,852 88 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost value of real estate $2,284,516 52 

Loans on mortgage of real estate (first liens), . . . 5,458,24185 



THE PKUDENTIAL INSURANCE COMPANY OF AMERICA. 177 



Loans on company's policies assigned as collateral, . . $29,259 94 

Premium notes or loans on policies in force, .... 7,189 91 

Cost value of stocks and bonds owned (schedule B), . 4,097,082 30 

Cash in company's office, 5,821 41 

Cash deposited in bank, ........ 700,740 95 



Ledger assets (as per balance), 

Other Assets. 



$12,582,852 88 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading, 

Net am't of uncollected and deferred prem's, 

Furniture and fixtures, 

Stationery and supplies, . . . 

Law library, 



127,663 62 
12,323 04 
44,144 00 



$157,228 83 
214,192 80 



$371,421 63 
96,595 54 



274,826 09 

122,908 64 

10,150 58 

13,421 68 



Total assets, per company's books, . 

Items not admitted. 

Office furniture, etc., . 
Law library, .... 
Agency supplies, stationery, etc., 
Total, 



$13,188,290 53 



$122,908 64 
13,421 68 
10,150 58 



Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



146,480 90 
$13,041,809 63 



Net reinsurance reserve, . 
Death losses and matured endowments in proc- 
ess of adjustment, $31,509 71 

Present value of unpaid instalments, . . 773 27 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, . . . $2,971,806 24 



Paid-up capital, 
Surplus over capital, 

Gross liabilities, 



$10,028,703 00 
3,065 00 

$10,025,638 00 



32,282 98 

254 90 

11,827 51 



$10,070,003 39 

2,000,000 00 
971,806 24 



$13,041,809 63 



178 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Premium Note Account. 

Premium notes on hand Dec. 31, 1893, 
Premium notes received during 1894, 

Total, . ... 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Voided by lapse, ..... 

Used in payment of dividends to policy 
holders, . . . . . . 

Redeemed by maker in cash, . ' . 

Total, . . . 



Balance note assets Dec. 31, 1894, 



$3,018 96 
6,454 14 


$9,473 10 
2,283 19 


$116 27 

453 93 

1,141 28 

348 81 
222 90 



,189 91 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 8,867 $10,374,211 00 

Endowment, . . 1,403 1,620,659 00 

All other, ... 202 446,863 00 

- 10,472 $12,441,733 00 



Whole life, . 
Endowment, 
All other, 



Policies issued during the Tear. 

. 10,451 $11,952,734 00 

1,547 1,521,725 00 

34 94,376 00 
12,032 



13,571,835 00 



Whole life, . 
Endowment, 
All other, 



Whole life, . 
Endowment, 
All other, 

Additions by dividends, 
Total, . 



Old Policies revived. 

191 $222,150 00 

21 25,631 00 

1 10,033 00 



Old Policies increased. 

$28,661 00 
8,938 00 
2,500 00 



213 



257,814 00 



40,099 00 
2,811 00 



22,717 $26,314,292 00 



Policies terminated during the Year. 

Whole life, . . . 4,219 $4,863,267 00 
Endowment, . . 690 790,815 00 

All other, ... 56 155,483 00 



4,965 $5,809,565 00 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 179 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, . . , 


85 


$102,214 00 




expiry, . 


13 


32,000 00 




surrender, 


98 


100,000 00 




lapse, . 


3,986 


4,248,540 00 




change and decrease, 


- 


120,111 00 




Not taken, . 


783 


1,206,700 00 








4,965 


f5,809,565 00 



Whole life, . 
Endowment, 
All other, 

Industrial business, 



Policies in Force Dec. 31, 1894. 

. 15,290 $17,716,027 00 
2,281 2,390,411 00 
181 398,289 00 
: 17,752 

. . . . 2,256,014 



$20,504,727 00 
259,840,927 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market Value. 

Chicago, Burlington & Quincy R.R. bonds, . $160,500 00 $150,625 00 

Lake Shore Railway bonds, .... 109,448 65 107,356 25 

Jackson, Lansing & Saginaw Railroad bonds, 76,122 50 77,812 50 

Chicago & St. Louis Railroad bonds, . . 123,465 00 119,880 00 

Chicago & Northwestern Railroad bonds, . 50,000 00 51,375 00 

Chicago & Milwaukee Railroad bonds, . . 48,272 50 46,977 50 

Michigan Central Railroad bonds, . . , 93,826 25 95,666 25 

Louisiana & Missouri River Railroad bonds, . 84,698 00 83,220 00 

Louisville & Nashville Railroad bonds, . . 198,309 00 193,767 50 

Chicago, St. Paul & Minneapolis R.R. bonds, , 93,019 50 96,000 00 

Detroit, Monroe' & Toledo Railroad bonds, . 74,203 75 73,160 00 

Buffalo & Erie Railroad bonds, . . . 14,417 00 14,202 50 

North Missouri Railroad bonds, . . . 10,675 00 10,162 50 

Union & Logansport Railroad bonds, . . 31,93125 31,720 00 

Cleveland, Col., Cin. & Ind. Railroad bonds, . 151,563 70 148,793 75 

Columbus & Indianapolis Central R.R. bonds, 62,558 75 62,660 00 

Winona & St. Peter Railroad bonds, . . 94,835 00 95,156 25 

St. Louis & Iron Mountain Railroad bonds, . 90,800 00 90,900 00 

Chicago, St. Louis & New Orleans R.R. bonds, 161,600 30 160,733 75 

New York & Harlem Railroad bonds, . . 28,250 00 29,218 75 

Syracuse, Bing. & New York Railroad bonds, 5,950 00 6,412 50 

New York, Lackawanna & Western R.R. bonds, 84,262 50 92,400 00 

Milwaukee & Madison Railroad bonds, . . 115,175 00 117,000 00 

Kalamazoo, Allegan & Gr. Rapids R.R. bonds, 26,125 00 27,625 00 

Baltimore & Potomac Railroad bonds, . . 31,805 00 31,785 00 

Cedar Rapids & Missouri River R.R. bonds, , 64,437 50 63,875 00 

Chicago, Rock Island & Pacific R.R. bonds, . 6,206 25 6,375 00 

Rome, Watertown & Ogdensburg R.R. bonds, 28,537 50 29,437 50 



180 



THE TRAVELERS INSURANCE COMPANY. 



St. Louis, Vandalia & Terre Haute R.R. bonds, 
Indianapolis, Cin. & Lafayette R.R. bonds, 
Fremont, Elkhorn & Missouri Val. R.R. bonds 
Louisville & Frankfort & Lexington & Frank 

fort Railroad bonds, .... 
Chicago, St. Lonis & Pittsburgh R.R. bonds, 
Morris & Essex Railroad bonds, 
Warren Railway bonds, . 
West Shore Railway bonds, 
Bridgeport Traction Company bonds, 
Rapid Transit Street Ry. of Newark bonds, 
Newark & South Orange Railroad bonds, 
Plainfleld Street Railway bonds, 
Kansas City & Independence Railroad bonds, 
United States bonds, .... 

Newark, N. J , city improvement bonds, . 
City of Orange, N. J , sewer bonds, 
Township of E. Orange, N. J., improv. bonds 
City of Newark, N. J., bonds, . 
City of Jersey City, N. J., bonds, 
City of Orange, N. J., bonds, . 



Cost. 

$44,791 00 

5,375 00 

31,216 95 

109,112 50 

75,750 00 

2,375 00 

1,169 40 

63,000 00 

225,000 00 

308,870 00 

312,000 00 

7,200 00 

39,840 00 

119,500 00 

450,000 00 

57,000 00 

8,162 55 

12,100 00 

53,625 00 

50,000 00 



Market Value. 

$44,310 00 

5,287 50 

31,750 00 

108,021 25 

75,735 00 

2,360 00 

1,150 00 

62,700 00 

250,000 00 

326,000 00 

312,000 00 

7,200 00 

41,280 00 

113,000 00 

450,000 00 

72,247 50 

8,162 55 

12,100 00 

53,625 00 

50,000 00 



L,097,082 30 $4,141,226 30 



"THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[life department.] 

[Incorporated June 17, 1863. Commenced business July 1, 1866.] 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Surrender values applied to pay running premiums, 
Received for annuities, 

Total, ..... 
Deduct amount paid for reinsurance 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for reinsurance, . 

Total income, 
Net or ledger assets Dec. 31, 1893, 

Total, 



$363,734 37 

1,854,812 43 

10,612 70 

17,456 00 



',246,615 50 
94,479 98 



',152,135 52 

615,244 10 

80,800 51 

5,747 98 



|2,853,928 11 
14,065,850 42 



$16,919,778 53 



THE TRAVELERS INSURANCE COMPANY. 



181 



Disbursements. 

Cash paid for losses and additions, 

for matured endowments and additions,, 
on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash paid to annuitants, ....... 

Surrender values! paid iti cash, ...... 

Surrender values applied to pay running premiums, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $160,272.31 

renewals, $82,859.15, . . ... 
for salaries and allowances to managers and agents 
for medical examiners 1 fees and inspections, . 
for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, $2,844.62 ; on investments 

$24,938 94, . 

for fees, licenses, etc., . . . 

for rent, 

for furniture and office fixtures, 
for advertising and printing, . 

for real estate expenses, 

for legal expenses, 

for loss on sale of securities, . 

for incidentals, ........ 



$736,165 19 
64,401 00 
23,144 07 



$823,710 26 
43,000 00 



$780,710 26 

6,852 14 

219,364 47 

10,612 70 

1,017,539 57 
100,000 00 

243,131 46 

50,048 97 

19,392 20 

64,167 04 

21,460 87 

27,783 56 
3,161 97 

17,999 09 
6,318 65 

20,283 81 

142,114 09 

5,810 18 

77,328 73 

34,702 10 



Total disbursements, . . . . . . . $1,851,242 29 

Balance, $15,068,536 24 

Invested in the folio win £ : — 



Assets as per Ledger Accounts 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, 

Bills receivable, ....... 



£2,007,191 75 

4,299,764 97 

637,650 00 

714,713 40 

6,225,387 86 

4,623 65 

1,142,429 37 

24,830 45 



182 



THE TRAVELERS INSURANCE COMPANY. 



Agents' ledger balances, .... 
Suspense account, ..... 

Ledger assets (as per balance), . 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, . 



^7,275 00 
4,669 79 



$15,068,536 24 
779,806 59 

$14,288,729 65 



Other Assets. 

Interest due and accrued, .... 
Reinsurance due from other companies, . 

New Business. 

Uncollected premiums on policies 

in force, $89,737 33 

Deferred premiums on policies in 
force, . . . . . 59,899 10 



Kenewals. 

$191,827 99 
251,315 86 



Total, $149,636 43 $443,143 85 

Deduct loading (20 per cent.), . 29,927 28 88,628 77 



Net amount of uncollected and de- 
ferred premiums, . . . $119,709 15 $354,515 08 



147,850 99 
5,000 00 



Total assets per company's books, . 



474,221 23 



$14,915,804 87 



Agents 1 balances, 
Bills receivable, 
Suspense account, 



Total, 



Items not admitted. 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$7,275 00 

24,830 45 

4,669 79 



36,775 24 



$14,879,029 63 
858,112 54 



$14,020,917 09 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, . 



$13,501,311 00 
221,427 00 



Net reinsurance' reserve, . 



$13,279,884 00 



THE TRAVELERS INSURANCE COMPANY. 



183 



Reserve for indemnity contracts, . , 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc 

ess of adjustment, 

Claims resisted by the company, 
Present value of unpaid instalments, 

Total policy claims, .... 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, 



$5,000 00 



. $3,767 00 

65,228 23 

23,368 80 

234,332 00 



326,696 03 

$13,611,580 03 
851,245 46 

$12,760,334 57 

. 1,260,582 52 

$14,020,917 09 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 17,429 $34,450,760 00 
Endowment, . . . 7,167 13,690,346 00 
All other, .... 5,528 31,854,761 00 

30,124 $79,995,867 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 



2,219 


$5,675,402 00 


854 


1,498,458 00 


1,346 


9,960,651 00 



4,419 17,134,511 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

21 $41,618 00 

35,500 00 



15 
18 



97,700 00 



54 



174,818 00 



Old Policies transferred and increased. 

Whole life, . . .55 $217,157 00 

Endowment, . . 10 28,050 00 

All other, .... 360 834,050 00 

— 425 



1,079,257 00 



Total, 35,022 



,384,453 00 



184 



THE TEAVELERS INSURANCE COMPANY. 



Policies terminated during the Tear. 





Number. 


Amount, Total No. 


Total Amount. 


Whole life, 


1,921 


$4,621,533 00 




Endowment, 


894 


1,792,371 00 




All other, .... 


1,305 


7,606,019 00 






4,120 


$14,019,923 00 






How terminated. 




By death, .... 


312 


$747,552 00 




maturity, 


68 


64,820 00 




expiry, .... 


142 


302,600 00 




surrender, . 


425 


1,012,599 00 




lapse, .... 


1,780 


6,384,070 00 




change and decrease, . 


733 


2,730,323 00 




Not taken, .... 


660 


2,777,959 00 








4,120 


$14,019,923 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1894. 
. 17,803 $35,763,404 00 
. 7,152 13,459,983 00 
. 5,947 35,141,143 00 
30,902 



$84,364,530 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

40 shares Hartford Carpet Company, . . $2,200 00 

Galveston, Harrisb 1 g & San Antonio R.R. b'ds, 57,600 00 

50 shares First National Bank, Alamosa, Col., 6,250 00 

4 " Eagle Lock Co., Terryville, Conn., . 280 00 } 

6 " Southern New England Teleph'e Co., 486 00 ] 

40 " Bank of Topeka, Topeka, Kan., . 5,200 00 

Assigned note, secured by real estate, . . 300 00 

Sundry mortgages on real estate, assig'd to Co., 24,100 00 

180 shares State National Bank, Denver, Col., 9,000 00 ) 

Sundry mortgages on real estate, assig'd to Co., 68,000 00 S 

5 shares Chicago, Bur. & Quincy R.R. Co., 357 50 ) 

30 " Hartford Loan and Trust Co., . .3,000 00 S 

30 " Carbonate N. B'k, Leadville, Col., 6,000 00 ^ 

25 " First Nat. Bank, Durango, Col., . 3,000 00 ' 

15 " First Nat. Bank, Alamosa, Col., . 1,875 00 

50 " Broadway Invest. Co., Denv., Col., 2,500 00 j 

2,956 " E. N. Welch Manufacturing Co., 92,375 00 ^ 

821 " Bristol Brass and Clock Co., . 30,787 50 \ 

423 " Bristol Manufacturing Company, 15,862 50 J 



Loaned Thereon. 

$1,000 00 

45,500 00 

5,000 00 

450 00 

3,950 00 
250 00 

12,800 00 

69,000 00 
1,400 00 



}> 10,000 00 



45,000 00 



THE TRAVELERS INSURANCE COMPANY. 



185 



Texas & New Orleans Railroad Co. bonds, 
South Pacific of Arizona Railroad Co. bonds, 
Galveston, Harrisburg & San A. R.R. Co. b'ds 
South Pacific of California Railroad Co. bonds 
Northern of California Railroad Co. bonds, 
6 shares New York, N. H. & Hartford R.R., 
Parsons Light and Heat Company bonds, 
Mortgage on real estate at Seattle, Wash., 
Southern Pacific R.R. Co. of New Mexico b'ds 
Galveston, Harrisburg & San A. R.R. bonds, 
Northern Railway Co. of California bonds, 
Texas & New Orleans Railroad Co. bonds, 
825 shares Third Ave. Railroad Co , N. Y. City 
422 shares Denver Tramway Co., Denver, Col. 
Chicago, Milwaukee & St. Paul R R. bonds, 
Mortgage on real estate, Brooklyn, N. Y., 
Trust deed, Pueblo, Col., assigned to Co., 



Schedule B. 



Market Value. Loaned Thereon. 

$22,500 00 ^ 
23,000 00 | 

27,000 00 |> f 100,000 00 
45,000 00 
13,500 00 J 

1,158 00 600 00 

50,000 00 40,000 00 
54,000 00 45,000 00 
50,000 00 ^j 



36,000 00 [ 



22,500 00 | 

22,500 00 j 

148,500 00 

63,300 00 

15,240 00 

600 00 

7,000 00 



J> 100,000 00 



Stocks and Bonds owned by the 



Maine State bonds, 
Province of Manitoba, Can., bonds, 
Province of Quebec, Can., bonds, 
Clark County, Dak., bonds, 
Riley County, Kan., bonds, 
Mecklenburgh County, N. C, bonds 
Pendleton County, Ky., bonds, 
De Kalb County, Ala., bonds, . 
Otter Tail County, Minn , bonds, 
Butler County, Neb., bonds, 
Laramie County, Wyo., bonds, 
Coconino County, Ariz., bonds, 
Tarrant County, Tex., bonds, . 
Bexar County, Tex., bonds, 
Sault Ste. Marie, Ont , town bonds, 
Parkdale, Ont., town bonds, 
Collingwood, Ont , town bonds, 
Almonte, Ont , town bonds, 
Paris, Ont., town bonds, . 
Windsor, Ont., town bonds, 
Coaticook, Que., town bonds, . 
Vernon, Conn., town bonds, 
Whitesboro', Tex., town bonds, 
Cedartown, Ga., town bonds, . 
East Las Vegas, N. M , town bonds, 
Frankfort, Dak., township bonds, 



Company. 

Cost Value. 

$91,725 00 
79,443 47 
47,449 83 

2,752 00 
48,000 00 
26,812 50 
21,200 00 
25,000 00 
45,500 00 
57,085 00 
50,000 00 
15,000 00 
50,000 00 
52,500 00 
50,995 00 
11,765 00 

6,450 00 
11,831 33 

8,567 75 
11,124 84 
25,375 00 
125,000 00 
10,000 00 
50,000 00 
10,200 00 

1,455 00 



100,000 00 

42,200 00 

10,000 00 

500 00 

5,000 00 



,971 50 $637,650 00 



Market Value. 

$90,000 00 
84,689 73 
51,000 00 

3,000 00 
50,000 00 
26,812 50 
21,200 00 
25,000 00 
50,000 00 
51,940 00 
50,000 00 
15,000 00 
50,000 00 
52,500 00 
50,000 00 
12,100 00 

6,901 50 
12,566 00 

8,960 00 
10,615 31 
26,875 00 
125,000 00 
10,000 00 
50,000 00 
10,200 00 

1,500 00 



186 



THE TRAVELERS INSURANCE COMPANY. 



North, Ind., township bonds, . 
Lancaster, Kan , township bonds, 
Walnut, Kan., township bonds, 
Rock Creek, Kan , township bonds, 
Parker, Kan., township bonds, . 
Canton, Kan , township bonds, . 
Elk, Kan., township bonds, 
Crawford, Kan., township bonds, 
Blaine, Kan., township bonds, . 
Oswego, Kan., township bonds, 
Winnipeg, Man., city bonds, 
Brandon, Man., city bonds, 
Minneapolis, Minn., city bonds, 
Winona, Minn., city bonds, 
St. Paul, Minn., city bonds, 
Duluth, Minn., city bonds, * . 
Superior, Wis., city bonds, T . 
Colorado City, Col., city bonds, 
Canon City, Col., city bonds, 
Pueblo, Col., city bonds, . 
Cheyenne, Wyo., city bonds, 
Johnson, Tenn., city bonds, 
Lexington, Ky., city bonds, 
Quitman, Ga., city bonds, . 
Farmersville, Tex., city bonds, 
St. Joseph, Tex., city bonds, 
Greensboro 1 , N. C, city bonds, 
Missoula, Mont., city bonds, 
Helena, Mont., city bonds, 
Butte, Mont., city bonds, . 
Boise City, Idaho, city bonds, . 
Logan, Utah, city bonds, . 
Council Bluffs, Iowa, city bonds, 
Sioux City, Iowa, city bonds, . 
Indianapolis, Ind., city bonds, . 
Falls City, Neb., city bonds, 
Tecumseh, Neb., city bonds, 
Edgar, Neb , city bonds, . 
Clyde City, Kan., city bonds, . 
Arkansas City, Kan., city bonds, 
Ottawa, Kan., city bonds, . 
Kansas City, Kan., city bonds, . 
Sherbrooke, Quebec, city bonds, 
Quebec, Quebec, city bonds, 
Hull, Quebec, city bonds, . 
St. Hyacinthe, Quebec, city bonds, 
Montreal, Quebec, city bonds, . 
St. Thomas, Ont., city bonds, . 



Cost Value. 

$35,000 00 
14,850 00 
18,000 00 
25,000 00 
24,500 00 
15,200 00 
13,125 00 
23,875 00 
13,200 00 
10,000 00 
79,470 00 
25,000 00 
23,940 00 
33,000 00 
10,500 00 
11,644 94 
22,500 00 

5,000 00 
30,070 00 
22,736 25 
65,000 00 
46,500 00 
30,600 00 
20,000 00 
14,000 00 

5,940 00 
14,560 00 
25,750 00 
75,376 30 
45,700 00 
30,000 00 
19,000 00 

9,850 00 
23,650 00 
50,715 94 
22,560 00 
20,895 00 
12,935 00 

4,375 00 
26,250 00 

8,160 00 
15,400 00 
30,750 00 
49,000 00 
10,200 00 
10,150 00 
54,585 73 
33,765 00 



Market Value. 

$35,000 00 
15,000 00 
18,000 00 
25,000 00 
25,000 00 
16,000 00 
15,000 00 
25,000 00 
16,000 00 
10,000 00 
80,250 00 
25,250 00 
23,940 00 
33,000 00 
10,000 00 
11,644 94 
22,500 00 

5,000 00 
31,000 00 
22,736 25 
65,000 00 
45,000 00 
30,600 00 
20,000 00 
14,000 00 

6,000 00 
14,560 00 
25,750 00 
75,374 00 
45,700 00 
30,000 00 
20,000 00 

9,500 00 
23,000 00 
50,715 94 
24,000 00 
21,000 00 
13,000 00 

5,000 00 
26,250 00 

8,160 00 
14,280 00 
32,400 00 
50,000 00 
10,100 00 
10,300 00 
59,150 00 
34,200 00 



THE TRAVELERS INSURANCE COMPANY. 



187 



Toronto, Ont., city bonds, ', , 
Guelph, Ont., city bonds, .... 
Port Hope, Ont., city bonds, . . , 
Brantford, Ont , city bonds, 
Stratford, Ont., city bonds, 
Vancouver, B. C, city bonds, . 
Victoria, B. C, city bonds, 
Lake Superior Elevator Company bonds, 
Hunt Drainage District bonds, 
Farmington River, Conn., Power Co. bonds, 
Windsor Locks, Conn , Water Power Co. bonds 
Fort Smith & Van Buren Bridge Co. bonds, 
Western Union Telegraph Company bonds, 
Grape Creek, 111., Coal Company bonds, . 
Denver Consolidated Electric Company bonds 
Allentown, Pa., Gas Company bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Cincinnati, Ind., St. Louis & Chic. R.R. bonds 
Mobile & Birmingham Railroad bonds, . 
Atlantic & Pacific R R. bonds, . 
Oxford & Clarksville Railroad bonds, 
St Louis & San Francisco Railroad bonds, 
Duluth & Manitoba Railroad bonds, 
Keokuk & Des Moines Railroad bonds, . 
Prescott & Arizona Railroad bonds, 
Chicago, Milwaukee & St Paul R.R. bonds, 
Canadian Pacific Railroad bonds, 
Stillwater & St. Paul Railroad bonds, 
Toledo, St. Louis & Kansas City R.R. bonds, 
Staten Island Rapid Transit Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
Lehigh Valley Terminal Railroad bonds, 
Kansas City & Pacific Railroad bonds, 
Kanawha & Michigan Railroad bonds, 
Brooklyn, N". Y., Elevated Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
New Haven & Derby Railroad bonds, 
Eureka Springs Railroad bonds, 
Indiana & Lake Michigan Railroad bonds, 
Pittsburgh & Western Railroad bonds, . 
Rio Grande Junction Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Texas & Pacific Railroad bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Chicago & Western Indiana Railroad bonds, 
Black Rocks & Salisbury Beach St. R.R. bonds 
Toledo, Ohio, Electric Street Railroad bonds, 
Naumkeag, Salem, Mass., Street R.R. bonds, 



Cost Value. 

$50,000 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 
25,000 00 
26,661 47 
15,000 00 
38,000 00 
50,400 00 
99,287 50 
27,550 00 
24,375 00 
48,500 00 
2,110 00 
94,000 00 
23,125 00 
43,000 00 
48,750 00 

100,500 00 
50,437 50 
4,950 00 
41,625 00 
65,000 00 
49,000 00 
32,690 00 
87,750 00 
29,000 00 
47,500 00 
53,625 00 
18,590 00 
19,375 00 
28,645 00 
50,880 00 
98,282 50 
25,000 00 
50,000 00 
44,860 00 
45,000 00 
8,000 00 
31,150 00 
4,825 00 

116,875 00 
22,500 00 
22,125 00 
47,500 00 



Market Value. 

$50,000 00 
81,760 00 
60,600 00 
54,450 00 
11,287 50 
11,000 00 
13,875 00 
25,000 00 
26,661 47 
15,000 00 
40,000 00 
40,800 00 

110,000 00 
10,150 00 
25,375 00 
50,000 00 
2,260 00 
94,000 00 
5,000 00 
22,500 00 
27,500 00 

103,000 00 
38,750 00 
9,800 00 
18,000 00 
66,250 00 
54,500 00 
30,800 00 
54,000 00 
26,750 00 
22,000 00 
54,500 00 
17,500 00 
19,562 50 
21,687 50 
57,750 00 

100,510 00 
18,750 00 
50,000 00 
46,818 75 
43,000 00 
7,425 00 
30,100 00 
5,050 00 

116,000 00 
25,000 00 
25,000 00 
50,000 00 



188 



THE TRAVELERS INSURANCE COMPANY. 



Amsterdam, N. Y , Street Railroad bonds, 
Consolidated Light & Railway Co. bonds, 
Cceur d'Alene Ry. & Navigation Co. bonds, 
St. Louis Merchants Bridge Term 1 ! R.R. bonds 
500 shares Del., Lackawanna & Western R.R 



1,650 

1,000 
600 

1,000 
700 
500 
100 

2,000 
100 
300 
600 

1,096 
197 
240 
266 
300 
197 
100 
200 

240 

100 
50 

200 

100 
20 
50 
50 

350 

140 

600 

2,432 



N. Y. Cent & Hudson River R.R. 
Lake Shore & Mich. South'n R R. 
Rensselaer & Saratoga Railroad 
Missouri Pacific Railroad, . 
Chic, Rock Island & Pacific R.R. 
Central Pacific Railroad, 
Boston & Albany Railroad, . 
Chicago & Northwestern R.R., 
New York & New England R.R. 
Manhattan Railway Company, 
Natl Ex. Bank, Hartford, Conn., 
Hartford Natl B'k, Hart., Conn. 
First Natl B'k, Hartford, Conn., 
Charter Oak Nl B'k, Hart , Conn. 
Thames Nl B'k, Norwich, Conn. 
First Nl B 1 k,Wallingford,Conn. 
First Nl B'k, Middletown, Conn 
Metro. Natl B'k, New York, N.Y. 
American Exchange National B'k 

New York, N. Y , . 
Merchants' Exchange Natl Bank 

New York, N. Y., . 
Nassau Nl B'k, New York, N. Y. 
National German-American Bank 

St. Paul, Minn., 
National Bank of Commonwealth 

Boston, Mass., . 
Atlas Natl Bank, Boston, Mass., 
Amer. Nl B'k, Kansas City, Mo. 
State Natl Bank, St. Joseph, Mo. 
Union Natl Bank, Denver, Col., 
Conn. Trust and Safe Deposit Co 

Hartford, Conn., 
Security Co., Hartford, Conn., 
Hartford City Gas Light Co., 
Hartford Loan & Trust Company 

Denver, Col., . 



Cost Value. 

$47,500 00 

98,000 00 

51,250 00 

50,450 00 

33,656 25 

175,425 00 

122,425 00 

106,800 00 

103,537 50 

85,856 25 

46,612 50 

20,161 50 

236,775 00 

13,455 00 

30,200 00 

43,046 50 

174,584 25 

20,634 38 

29,296 25 

37,236 00 

31,800 00 

20,779 00 

6,515 63 



11,912 79 

7,250 00 

12,600 00 

21,212 75 
11,900 00 

8,000 00 

8,600 00 

11,000 00 

29,400 00 
14,736 25 
28,635 01 



Market Value. 

$47,500 00 

98,000 00 

34,500 00 

50,500 00 

40,250 00 

163,350 00 

133,000 00 

108,000 00 

27,000 00 

43,400 00 

7,000 00 

20,800 00 

194,250 00 

6,100 00 

31,537 50 

33,600 00 

153,440 00 

21,670 00 

21,600 00 

39,900 00 

33,000 00 

20,685 00 

600 00 



21,413 00 30,400 00 



12,840 00 
8,000 00 

3,950 00 

26,000 00 

11,700 00 

1,300 00 

5,000 00 

5,000 00 

56,000 00 
22,400 00 
19,200 00 



243,200 00 243,200 00 



1,225,387 86 $5,858,616 39 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



189 



"THE UNION CENTRAL LIFE INSURANCE COMPANY," 

CINCINNATI. 

[Incorporated 1867. Commenced business 1867.] 

Paid-up Capital, $100,000. 

John M. Patttson, President. E. P. Marshall, Secretary. 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Dividends applied to pay running premiums, 
Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, .......... 

Received for annuities, ........ 

Total,. 

Cash received for interest, 

Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 

j_otal, . ■ . . t ■ 



$269,298 92 

1,295,603 29 

275,525 79 

890,299 46 

50,054 16 

12,971 05 

5,321 05 

140,069 16 
20,011 40 

. 12,959,154 28 

720,378 71 

15,189 28 

. $3,694,722 27 
. 10,529,313 35 

$14,224,035 62 



Disbursements. 

Cash paid for losses and additions, $556,465 56 

Premium notes or loans used in payment of same, . . . 10,693 03 

Cash paid for matured endowments and additions, . . 73,616 22 

Premium notes or loans used in payment of same, . . . 3,687 61 

Gross amount paid for losses and endowments, . . $644,462 42 

Cash paid to annuitants, . 1,490 68 

Premium notes or loans used in purchase of surrendered 

policies, $ 999.15 ; voided by lapse, $204,490,67, . . . 205,489 82 
Premium notes or loans used in payment of dividends to 

policy-holders, .......... 4,423 08 

Cash dividends paid policy-holders, ..... 58,446 03 

applied to pay running premiums, . . 50,054 16 
applied to purchase paid-up additions and an- 
nuities, . ... . . . . 12,971 05 



190 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $254,644.06 
renewals, $145,248.31, 

for salaries and allowances to managers and agents 

for medical examiners' fees, .... 

for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, $31.87; on investments 
$3,125.30, 

for fees, licenses, etc., 

for rent, 

for furniture and office fixtures, . . , 

for advertising and printing, .... 

for real estate expenses, ..... 

for legal expenses, 

for incidentals, 

Profit and loss, 



$118,855 17 

5,321 05 

140,069 16 

1,241,582 62 

10,000 00 

399,892 37 

52,210 39 

41,536 50 

82,918 69 

38,948 52 

3,157 17 

7,829 73 

24,336 39 

6,606 22 

24,405 61 

9,939 20 

13,210 63 

64,445 63 

50,983 95 



Total disbursements, . 
Balance, 



. $2,072,003 62 



|12,152,032 00 



Invested in the folio wins; : — 



Assets as per Ledger Accounts 

Cost value of real estate, . . . . 

Loans on mortgage of real estate (first liens), 

Loans on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule A), 

Cash in company's office, . 

Cash deposited in bank, . 

Bills receivable, 

Agents' ledger balances, . 

Office furniture, etc., 

Ledger assets (as per balance), 



$370,745 38 

9,398,202 75 

1,113,465 19 

726,758 27 

17,000 00 

1,902 37 

330,356 64 

63,684 42 

114,916 98 

15,000 00 



$12,152,032 00 



Other Assets. 



Interest due and accrued, 
Rents due and accrued, 



370,141 58 
1,220 00 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 191 

Market value of real estate, over cost, $ 6,738 54 

Market value of stocks and bonds, over par, .... 1,685 00 

New Business. Renewals. 

Uncollected premiums on policies 

in force, . $158,206 74 $57,603 43 

Deferred premiums on policies in 

force, 12,228 44 49,030 29 



Total, $170,435 18 $106,633 72 

Deduct loading (20 per cent), . 34,087 03 21,326 74 



Net amount of uncollected and de- 
ferred premiums, . ... .$136,348 15 $85,306 98 



221,655 13 



Total assets, per company's books, .... $12,753,472 25 

Items not admitted. 

Office furniture, etc., $ 15,000 00 

Agents' balances, 114,916 98 

Bills receivable, 63,684 42 

Total, ____ 193,601 40 



Total admitted assets, ...... $12,559,870 85 

Deduct special deposits in other States, 11,475 00 



Balance, $12,548,395 85 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $11,019,119 00 
Matured endowments due and unpaid, . . $500 00 

Death losses in process of adjustment, , , 36,784 94 

Claims resisted by the company, . . . 24,500 00 

Total policy claims, ..... 61,784 94 

Unpaid dividends of surplus due policy-holders, . . . 5,321 11 

Premiums paid in advance, 84,681 30 



Liabilities as to policy-holders, . .... $11,170,906 35 
Deduct liabilities on special deposits, . . . . 11,475 00 



$11,159,431 35 
Surplus as regards policy-holders, . . . $1,388,964 50 

Paid-up capital 100,000 00 

Surplus over capital, . 1,288,964 50 



Gross liabilities, $12,548,395 85 



192 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
Premium notes received during 1894, 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies 
Voided by lapse, .... 
Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, . 

Total, ........ 

Balance note assets Dec. 31, 1894, 



$757,212 06 

1,165,825 25 

$14,380 64 

999 15 

204,490 67 

4,423 08 

971,985 50 



11,923,037 31 



1,196,279 04 



$726,758 27 



Exhibit of Policies. 
Policies and Additions in Force Dec. 32, 1893. 

Total No. 





Number. 


Amount. 


Whole life, 


. 37,410 


$61,059,634 00 


Endowment, 


. 3,987 


6,916,162 00 


All other, . 


. 1,727 


2,831,480 00 


Reversionary additions, 


- 


67,475 00 



Total Amount. 



43,124 $70,874,751 00 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



10,330 


$18,579,183 


00 


996 


1,657,316 


00 


935 


1,843,125 00 


Old Policies revived. 




314 


$576,500 


00 


35 


60,600 


00 


5 


8,000 00 



12,261 22,079,624 00 



354 



645,100 00 



Old Policies increased. 



Additions by dividends, . 



20,710 00 



Total, . ... . . . . . 55,739 $93,620,185 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
. 8,373 $15,363,378 00 



895 
724 



1,681,388 00 
1,364,121 00 



9,992 $18,408,887 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



193 







How terminated. 






Number. 


Amount. Total No. Total Amount. 


By death, . 


■ 


322 


$565,998 00 


maturity, 


. 


50 


128,962 00 


expiry, 


. 


180 


312,350 00 


surrender, . 


. 


424 


777,822 00 


lapse, . 


. 


. 6,242 


10,599,016 00 


change and decrease 


399 


854,761 00 


Not taken, . 


• 


. 2,375 


5,169,978 00 
__ _ 9,992 $18,408,887 00 




Policies in Force Dec. 31, 1894. 


Whole life, 


. 


. 39,681 


$64,851,939 00 


Endowment, 


. 


. 4,123 


6,952,690 00 


All other, . 


. 


. 1,943 


3,326,580 00 


Reversionary additions, 


. 


80,089 00 






— _ 


_ — ._ . 45,747 $75,211,298 00 






Schedule A. 






Bonds ownea 


' by Company. 

Par Value. Market Value. 


United States bonds, 




• • • 


$10,000 00 $11,475 00 


Village of Norwood bonds, 


7,000 00 7,210 00 



$17,000 00 $18,685 00 



" UNION MUTUAL LIFE INSURANCE COMPANY," PORTLAND, ME. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

Fred E. Richards, President. J. Frank Lang, Secretary. 

Income. 

Cash received for premiums on new policies, .... $237,162 24 

Cash received for renewal premiums, 634,550 24 

Premium notes received for renewals, 82,480 72 

Dividends applied to pay running premiums, .... 8,048 23 

Dividends applied to purchase paid-up additions and annuities, 15,950 87 

Surrender values applied to pay running premiums, . . 5,085 10 
Surrender values applied to purchase paid-up insurance and 

annuities, 8,790 98 



Total $992,068 38 

Deduct amount paid for reinsurance, 3,486 77 



Total premium income, 



,581 61 



194 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Premium notes or loans restored, 

Total income, ...... 

Net or ledger assets Dec. 31, 1893, . 



Total, 



$281,559 40 

954 49 

24,079 24 

971 12 

$1,296,145 86 
6,277,455 41 

?7,573,601 27 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 
Cash paid on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 

policies, $ 6,627.65; voided by lapse, §22,789.66, 
Premium notes or loans used in payment of dividends to 

policy-holders, 

Cash dividends paid policy-holders, .... 
applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, .... 
applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy-holders, 

Cash paid for commissions to agents, new policies, $145,664.35 

renewals, $34,415.41, 

for salaries and allowances to managers and agents 
for medical examiners' fees and inspections, . 
for salaries of officers and home office enrployees, 
for taxes on new premiums, $3,675.39 ; on renewals 

$6,651.94, 
for taxes on reserves, 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for furniture and office fixtures 
for advertising and printing, 
for real estate expenses, . 
for legal expenses, . ■ . 



$451,258 76 

12,420 47 

154,472 05 

2,688 00 

80 00 

$620,919 28 
1,858 91 

$619,060 37 
492 15 

29,417 31 

3,716 00 
4,579 40 
8,048 23 

15,950 87 

39,140 63 

5,085 10 

8,790 98 
$734,281 04 

180,079 76 

67,868 59 

18,880 84 

51,937 41 

10,327 33 

3,110 26 

6,236 54 

16,818 62 

9,145 17 

3,039 52 

17,192 37 

22,125 53 

8,501 32 



UNION MUTUAL LIFE INSURANCE COMPANY. 



195 



Cash paid for incidentals, 
Unpaid account of 1893, paid, 
Profit and loss account, 



Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Value of real estate, ....... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, 

Bills receivable, . , 

Agents 1 ledger balances, ...... 

Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, . . 

Rents accrued, 

Market value of stocks and bonds, over cost, . 

New Business. 

Uncollected premiums on policies 

in force, $48,818 67 

Deferred premiums on policies in 

force, 18,992 70 



|17,209 21 
21,891 43 
88,503 33 

,277,148 27 

>,296,453 00 



$838,603 69 

1,332,258 88 

560,129 97 

7,100 00 

253,752 45 

3,100,437 97 

798 78 

189,286 88 

10,104 68 

3,979 70 

$6,296,453 00 



65,529 53 

2,302 58 

69,118 05 



Renewals. 

■88,822 53 
61,909 06 



Total, .... 
Deduct loading (20 per cent.), 



.$67,811 37 $150,731 59 
. 13,562 27 30,146 32 



Net amount of uncollected and de- 
ferred premiums, . . . .$54,249 10 $120,585 27 



Total assets, per company's books, . 

Items not admitted. 

Agents' balances, .... 

Bills receivable, .... 

Excess of loan over market value, . 

Total, 



174,834 37 
1,608,237 53 



Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



$3,979 70 

10,104 68 

1,780 00 



15,864 38 

$6,592,373 15 
540,906 27 

$6,051,466 88 



196 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . . „ 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc 

ess of adjustment, 

Present value of unpaid instalments, 

Total polic} 7 claims, .... 
Unpaid dividends of surplus due policy-holders 
Premiums paid in advance, 

Contingent reserve, 

Bills payable, 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, .... 



$11,792 86 

74,720 00 
1,264 47 



1,115,952 00 
6,475 00 

1,109,477 00 



87,777 33 

3,073 66 

688 54 

140 93 

1,000 00 

5,202,157 46 
540,906 27 

j,661,251 19 
390,215 69 

1,051,466 88 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, . 
received during 1894, 
restored by revival of policies 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies, 
Voided by lapse, ..... 
Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 
Charged to profit and loss, 

Total,. ...... 

Balance note assets Dec. 31, 1894, 



$283,135 54 

82,480 72 

971 12 

$ 15,108 47 

6,627 65 

22,789 66 

3,716 00 

64,285 15 

308 00 



366,587 38 



112,834 93 



$253,752 45 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1893. 





Number. 


Amount. Total No. 


Total 


Whole life, 


. 10,426 


$19,672,476 00 




Endowment, 


. 6,399 


11,253,130 00 




All other, . 


. 2,339 


4,779,192 00 




Reversionary additions, 


. 


209,619 00 





19,164 $35,914,417 00 



UNION MUTUAL LIFE INSURANCE COMPANY, 



197 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 


. 


Number. 

3,576 

657 

1 


Amount. ' 

$7,109,596 00 

1,010,387 00 

5,000 00 


rotal No. 

4,234 


Total Amount. 

$8,124,983 00 






Old Policies revived. 


Whole life, 
Endowment, 
All other, . 


t ■ 


48 

13 

2 


$77,500 00 

30,500 00 

3,427 00 


63 


111,427 00 




Old Policies increased and transferred. 




Whole life, 
Endowment, 
All other, . 


• • 

dividends, 

• 


9 

37 

542 

t 


|12,500 00 

22,504 00 

1,066,923 00 


588 


$1,101,927 00 
128,021 00 


Additions by < 


• ■ • 


Total, . 


24,049 


$45,380,775 00 




Policies terminated during the Year. 




Whole life, 
Endowment, 
All other, . 


8 • 


. 3,092 

. 1,031 

376 


$6,265,190 00 

1,820,467 00 

983,077 00 








4,499 


$9,068,734 00 








How terminated. 






By death, . 

maturity, 

expiry, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 


241 
134 
324 
172 
. 2,313 
588 
727 


$457,715 00 

160,137 00 

691,300 00 

343,381 00 

4,452,456 00 

1,375,745 00 

1,588,000 00 


4,499 


9,068,734 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1894. 

. 10,967 $20,606,882 00 

. 6,075 10,496,055 00 

. 2,508 4,993,729 00 

215,375 00 

_ 19,550 $36,312,041 00 



198 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Schedule A. 
Securities held as Collateral. 

Market Value. 

24 shares Central Wharf, Portland, Me., . $24,000 00 

355 " Portland Water Co., Portland, Me., 39,050 00 

5 " First Nat'l Bank, Wiscasset, Me., . 525 00 

70 " Flint & Pere Marq R.R., p'f'd, . 2,520 00 

Maine Central Railroad bonds, . . . 2,240 00 

Northern Pacific Railroad bonds, . . . 2,340 00 

Leeds & Farmington Railroad bonds, . . 1,020 00 

9 shares Central Wharf, Portland, Me., . . 9,000 00 

Maine Central Railroad bonds, . . . 1,110 00 

188 shares C. & R. Water Co , Camden, Me., . 18,800 00 

3 " American Bell Telephone Co , . 594 00' 

18 " N.Y., New Haven & Hartford R.R., 3,528 00 

Grand Ave. R.R. Co., Kansas City, Mo., bonds, 2,000 00 

100 shares C. & R. Water Co., Camden, Me., . 10,000 00 

20 shares Portland Nat'l Bank, Portland, Me., 2,200 00 

Portage City Water Co., Portage, Wis., bonds, 500 00" 

Fort Smith (Ark.) Water Co. bonds, . . 500 00 

Kankakee Water Co , Kankakee, Ills., bonds,. 500 00 

25 shares Portland Water Co., Portland, Me. x . 2,750 00 

Lime Rock R R. Co , Rockland, Me., bonds, . 17,850 00 

5 shares Portland R.R. Co., Portland, Me., . 1,000 00 

50 " Portland & Rochester Railroad, . 6,250 00 

31 " Portland Trust Co., Portland, Me., . 3,410 00 

200 " Commercial Union Telegraph Co., 4,750 00 

Owensboro 1 , Ky., Water Co. bonds, . . . 1,000 00 

20 shares Portland Water Co., . . . . 2,200 00 

5 shares Rockland, Me., Trust Co., ... 550 00 

Cedar Rapids & Missouri River R.R. bonds, . 1,260 00 

80 shares Portland, Me., Water Co., . . 8,800 00 

1 10 shares Nat'l Shoe & L'th'r B'k, Auburn, Me., 10,230 00 

Maine Central Railroad bonds, . . . 13,600 00 

Mortgage of real estate, 27,000 00 

52 shares Portland, Me , Water Co., . . 5,720 00 

90 shares Portland Railroad Co 18,000 00 

Cedar Rapids & Missouri Railroad bonds, . 1,260 00 

50 shares N. Y. & N. E. R.R., preferred, . . 3,150 00 

2 shares Laconia Co., Biddeford, . . . 1,230 00 

St. Joseph Water Co., St. Joseph, Mo., bonds, 3,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 320 00 

Akron Street Railway Co. bonds, . . . 1,000 00 

City of Portland, Me., bonds, .... 3,60000 

Rumford Falls Power Co. bonds, . . . 31,350 00 

12 shares Lockwood Co., Waterville, Me., . 1,260 00' 

Ohio & Mississippi Railroad bonds, . . . 2,200 00 

Mt. Vernon Water Co. bonds, . . . . 1,000 00 



Amount Loaned. 

$12,000 00 

24,000 00 

505 00 

4,300 00 

4,000 00 

700 00 

4,200 00 

1,000 00 

15,000 00 

5,000 00 
10,000 00 

900 00 

2,000 00 
14,000 00 

200 00 
5,000 00 
3,100 00 
4,000 00 

900 00 

2,000 00 

1,000 00 
5,000 00 
7,500 00 
5,000 00 
14,357 06 
5,000 00 
9,500 00 
900 00 

1,300 00 

2,000 00 
344 00 

3,000 00 

25,000 00 

3,760 17 



UNION MUTUAL LIFE INSURANCE COMPANY. 



199 



Fort Smith, Ark., Water Co. bonds, . 
Kalispell Water Co bonds, 
Antigo, Wis., Water Co. bonds, 
20 shares Portland Trust Co., . 
Greenbush, N. Y., Water Co. bonds, 
200 shares Inter. L'n & T't Co., Kan. C'y, Mo. 
Fort Smith, Ark , Water Company bonds 
Rome, Watertown & Ogdensburg R.R. bonds 
Kennebec Light & Heat Company bonds 
Maine Central Railroad bonds, 
Crystal Water Co., Edgewater, N. Y., bonds, 
Chicago Gas Light & Coke Company bonds, 
Lowell, Lawrence & Haverhill St. R'y bonds, 
Evansville, Ind., bonds, .... 
12 shares Portland Railroad Company, . 
Evansville, Ind , bonds, . . 
Crystal Water Co., Edgewater, N. Y., bonds, 
300 shares Rockland, Me., Building Syndicate 
467 shares Lime Rock Railroad, 
Fort Smith, Ark., Water Company bonds, 
Penobscot Shore Line Railroad bonds, 
80 shares Athol Water Company bonds. . 
Lowell, Lawrence & Haverhill St. R'y bonds, 
Portland & Rumford Falls Railroad bonds, 
Maine & New Hampshire Granite Co. bonds, 
Rockland, Thomaston & Camden St. R'y bonds 
Maine & New Hampshire Granite Co. bonds, 
Cortland, N. Y., Water Works Co. bonds, 
100 shares State Publishing Association, . 

30 " Aroostook Trust & Banking Co., 
209 " Cobb Lime Company, 
Lincoln, Neb., bonds, .... 
Rockland, Me., bonds, .... 
Leadville Water Company bonds, . 
Nat'l Loan & Trust Co , Kan. City, Mo., bonds 
Antigo Water Company bonds, 
Kennebec Light & Heat Company bonds, 
York Light & Heat Company bonds, 
Rockland, Thomaston & Camden St. R'y bonds, 
100 shares Portland, Me., Water Company, 

40 " Kennebec Light & Heat Company, 
100 " Me. Trust & Bank. Co , Gard'r, Me , 
Utica Belt Line Street Railway Co. bonds, 
100 shares Brookline, Mass., Gas Company, . 

20 shares First National Bank, Houlton, Me., 
Fort Smith, Ark., Water Company bonds, 
300 shares Lime Rock Railroad, 

30 shares Aroostook Trust & Banking Co., . 



Market Value. 

$ 12,500 00 
3,000 00 
4,500 00 
2,200 00 
1,000 00 

15,000 00 

5,000 00 

3,525 00 

525 00 

27,200 00 
1,500 00 

31,850 00 
9,000 00 
1,050 00 
2,400 00 
1,000 00 
1,000 00 

30,000 00 ? 

46,700 00 S 
500 00^ 
1,000 00 | 
6,000 00 } 
4,000 00 J 
2,500 00 J 

11,000 00 

65,000 00 

16,500 00 
1,000 00 

10,000 00 
4,200 00 

15,675 001 
1,000 00 
500 00 
500 00 
500 00 }> 
500 00 
525 00 
1,050 00 
500 00 J 

11,000 00 
4,200 00 

13,000 00 

17,550 00 

11,000 00 
3,800 00 
1,000 00 

30,000 00 
4,200 00 



Amount Loaned. 

$14,000 00 

4,000 00 
2,000 00 
800 00 
7,000 00 
4,000 00 

2,800 00 

20,000 00 
1,000 00 

41,485 00 

1,100 00 
1,500 00 

50,000 00 



10,000 00 



10,000 00 

57,740 74 

15,000 00 

700 00 

8,500 00 

3,000 00 



11,000 00 



10,000 00 

10,000 00 

20,588 00 

2,000 00 

800 00 

20,000 00 

3,000 00 



200 



UNION MUTUAL LITE INSURANCE COMPANY. 



Bangor & Aroostook Railroad bonds, 
Portland, Me., Water Company bonds, 
10 shares Fort Fairfield National Bank, 
Portland, Me., Water Company bonds, 
Jeffersonville, Ind., bonds, 
Maine Central Railroad bonds, 
Portland & Ogdensburg Railroad bonds, 
Portland & Rumford Falls Railroad bonds, 
Le Mars Water & Light Company bonds, 
Ellsworth, Me., Water Company bonds, . 
Camden & Rockland Water Company bonds, 
Lime Rock Railroad bonds, 
Real estate, St. Paul, Minn., 



Market Value. 

$9,500 00 

4,080 00 

1,200 00 

5,100 00 

1,080 00} 

1,360 00 ? 

535 00 } 

6,000 00^ 

1,025 00 j 

1,050 00 } 

3,150 00 j 

1,050 00 J 

3,000 00 



Amount Loaned. 

$9,000 00 
3,000 00 
1,000 00 
4,500 00 

2,500 00 



10,000 00 



1,650 00 



$769,447 00 $560,129 97 



Schedule B. 

Stocks and Bonds owned by the Company. 



United States bonds, .... 

Sta f e of Maine bonds, . . < ■ 
Americus, Geo., bonds, .... 

Albina, Or., bonds, 

Caribou, Me., bonds, 

Caribou, Me., bonds, school, 
Chicago, 111., bonds, sanitary district, 
Corsicana, Tex., bonds, sewer, . 
Corsicana, Tex., bonds, school, 
Damariscotta, Me., bonds, 
Delaware, O., bonds, public hall, 
Fort Worth, Tex., bonds, water works, . 
Franklin Co., Ky., bonds, St. Clair St. bridge 
Helena, Mon., bonds, sinking fund, . 

Ironton, O., bonds, 

Jefferson County, Ala., bonds, road improv 
Joliet, 111., bonds, permanent improvement, 
Mattoon, 111., bonds, funding, . 
Montreal Harbor debentures, . 
Mecklenburg County, N. C, bonds, . 
Newport, Ky., bonds, .... 
Pueblo, Col., bonds, public building, 
Pueblo, Col., bonds, water, . . . 
Pueblo, Col., bonds, deficiency, 
Province of New Brunswick bonds, 
Piano, Tex., bonds, school-house improvement 
Provo City, Utah, bonds, .... 
Richmond, Va , bonds, currency, 



Par Value. 

$25,000 00 

50,000 00 

10,000 00 

25,000 00 

2,000 00 

9,000 00 

60,000 00 

18,000 00 

7,500 00 

2,000 00 

5,000 00 

10,000 00 

16,000 00 

. 25,000 00 

15,000 00 

65,000 00 

25,000 00 

40,000 00 

30,000 00 

30,000 00 

24,000 00 

15,000 00 

25,000 00 

10,000 00 

100,000 00 

7,000 00 

25,000 00 

11,000 00 



Market Value. 

$29,500 00 
49,000 00 
12,600 00 
31,843 75 
2,000 00 
9,360 00 
63,365 00 

26,250 00 
2,060 00 
5,550 00 
10,700 00 
18,400 00 
27,000 00 
16,350 00 
72,800 00 
26,000 00 
42,400 00 
30,000 00 
36,600 00 
26,400 00 
15,750 00 
28,750 00 
11,600 00 
100,000 00 
7,700 00 
27,500 00 
10,780 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



201 



West Duluth, Minn., bonds, . 
Waco, Tex., bonds, street improvement, . 
Wells County, Ind., court house bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds, 
Bangor & Aroostook Railroad Co. bonds, 
Boston & Maine Railroad Company bonds, 
Brockton, Mass., Street Railway Co. bonds, 
Cleveland, Lorain & Wheeling R.R. Co. bonds, 
Fort St., Union Depot Co., Detroit, Mich., b'ds, 
Grand Ave. Railway, Kansas City, Mo., bonds, 
Kansas & Missouri Railroad bonds, . 
Kansas City Belt Railway bonds, 
Kansas City Cable Railway bonds, . 
Knox & Lincoln Railway Company bonds, 
Lime Rock Railroad, Rockland, Me., bonds, 
Lowell, Lawrence & Haverhill St. Ry. bonds, 
Milwaukee & St. Paul Railroad bonds, . 
Maine Central Railroad consolidated bonds, . 
New York & New England Railroad bonds, . 
Norwood & Montreal Railroad bonds, 
Norfolk Suburban St. Railway Co. bonds, 
People's St. Railway Co., of Luzerne County, 
Pa., bonds, ....... 

Portland & Ogdensburg Railroad bonds, 
Portland & Rumford Falls Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds, 
St. Louis Railroad 1st mortgage bonds, . 
Staten Island Rapid Transit Railroad bonds, . 
Sturgis, Goshen & St. Louis Railroad bonds, , 
St. Johnsbury & Lake Champ. R.R. Co. bonds, 
Union St Railway Co., Dover, N. H., bonds, . 
Union Electric Rj*. Co., Saratoga, N. Y., bonds, 
Utica Belt Line Street Railroad Co. bonds, 
West End Street Railway Company bonds, 
Wisconsin Valley Railroad bonds, . 
Athol Water Company 1st mortgage bonds, 
Augusta, Me., Water Company bonds, 
Bath Iron Works bonds, .... 

Crystal Water Co., Edgewater, N. Y., bonds, 
Citizens' Gas Lt. Co., Brooklyn, N. Y., bonds, 
City Water Co , Chattanooga, Tenn., bonds, 
Detroit Gas Company 1st mortgage bonds, 
Dominion Coal Company bonds, 
Fort Smith, Ark., Water Company bonds, 
Freeport, Me., Water Company bonds, . 
Goldsboro 1 , N. C, Water Company bonds, 
Kennebec Light & Heat Company bonds, 
Knox, Me., Gas & Electric Company bonds, 



Par Value. 

$25,000 00 
10,000 00 
13,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
10,000 00 
50,000 00 
25,000 00 
10,000 00 
25,000 00 

116,000 00 
35,000 00 

100,000 00 
50,000 00 
25,000 00 
25,000 00 

25,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
15,000 00 
25,000 00 
25,000 00 
27,000 00 
25,000 00 
4,000 00 
25,000 00 
15,000 00 
15,000 00 
25,000 00 
45,000 00 
27,000 00 
16,500 00 
15,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 



Market Value. 

$30,000 00 
10,500 00 
13,780 00 
48,000 00 
23,875 00 
28,125 00 
25,750 00 
25,250 00 
25,500 00 
50,000 00 
7,000 00 
51,500 00 
25,000 00 
10,800 00 
26,250 00 

116,000 00 
43,225 00 

108,000 00 
54,500 00 
27,187 50 
25,000 00 

28,250 00 
53,000 00 
26,000 00 
29,375 00 
25,250 00 
11,200 00 
17,500 00 
17,250 00 
25,000 00 
27,000 00 
26,325 00 
26,000 00 

4,800 00 
25,000 00 
15,375 00 
15,000 00 
25,000 00 
45,000 00 
27,000 00 

9,900 00 
15,000 00 
25,000 00 
25,000 00 
25,000 00 
26,250 00 
25,750 00 



202 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Le Mars, Iowa, Water & Light Co. bonds, 
Leadville, Col., Water Co. sinking fund bonds 
Manitowoc, Wis., water bonds, 
Metropolitan Telephone & Teleg. Co. bonds, 
Morriss, 111., Water Works bonds, . 
Oshkosh, Wis., Water Works Co. bonds, . 
Perth Amboy, N. J., water bonds, . 
Portland, Ore., water bonds, 
Raton, N. M., Water Works bonds, . 
Rumford Falls Power Company bonds, . 
Richmond W. and L. Co., Richmond, Ky., bd's 
Rockport, Ind., Water Works Co. bonds, 
St. Joseph, Mo., Water Co., sinking fund bonds 
Seattle, Wash , Water Works and Sewer bonds 
Standish Water and Construction Co. bonds, 
Wakefield, Mass., Water Company bonds, 
142 shares Portland, Saco & Portsmouth R.R. 

20 " Bid'f'rd N'l Bank, Biddeford, Me. 
200 " Canal Nat'l Bank, Portland, Me. 

24 " City National Bank, Dallas, Tex., 
122 " Cumberland Nat'l B'k, Port., Me 

50 " Commer. Nat'l B'k, Omaha, Neb. 

20 " F. and M. Nat'l B'k, Waco, Tex. 

20 " First Nat'l Bank, Auburn, Me., 

10 " First Nat'l Bank, Wiscasset, Me., 
100 " First Nat'l Bank, Lewiston, Me., 

12 " First National Bank, Bangor, Me. 

50 " First Nat'l Bank, Biddeford, Me. 

62 " First National Bank, Portl'nd, Me. 
50 " Flour City Nat'l B'k, Min., Minn. 
6 4 » Knickerb'kr T. Co. New York City 
60 " Lime Rock N'l B'k, Rockl'd, Me. 
50 " Manu. Nat'l Bank, Lewiston, Me. 
36 " Mer. National B'k, Portland, Me. 
50 " N'l B'k of Kan. C'y, Kan. City, Mo. 
50 " Nat'l B'k of Com., Omaha, Neb., 

63 " Nat'l Traders Bank, Portland, Me. 
100 " North Nat'l Bank, Rockland, Me. 
100 " Northern N'l B'k, Hallowell, Me. 

10 " Norway NT Bank, Norway, Me., 
30 " People's N'l B'k, Waterville, Me. 
200 " Portland N'l Bank, Portland, Me. 
7 " Richmond N'l B'k, Richmond, Me. 
50 " Rockland N'l B'k r Rockland, Me. 
50 " Schuster Hax N'l B'k, St. Jo., Mo. 
30 " First Nat'l B'k, Buchanan Co., Mo. 
20 " Sioux Falls N.B , Sioux F'ls, S. D. 
35 " Ticonic N'l B'k, Waterville, Me., 



Par Value. 

$25,000 00 

25,000 00 

25,312 50 

50,000 00 

20,000 00 

25,000 00 

15,000 00 

25,000 00 

20,000 00 

25,000 00 

23,000 00 

17,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

14,200 00 

2,000 00 

20,000 00 

2,400 00 

4,880 00 

5,000 00 

2,000 00 

2,000 00 

1,000 00 

10,000 00 

1,200 00 

5,000 00 

6,200 00 

5,000 00 

6,400 00 

4,200 00 

5,000 00 

2,700 00 

5,000 00 

5,000 00 

6,300 00 

10,000 00 

10,000 00 

1,000 00 

3,000 00 

20,000 00 

700 00 

5,000 00 

5,000 00 

2,000 00 
3,500 00 



Market Value. 

$25,625 00 

25,000 00 

25,312 50 

54,500 00 

21,000 00 

25,000 00 

15,450 00 

28,250 00 

20,000 00 

26,125 00 

23,000 00 

17,000 00 

25,000 00 

26,250 00 

27,125 00 

25,000 00 

18,602 00 

2,600 00 

26,000 00 

2,640 00 

4,880 00 

5,000 00 

2,000 00 

2,800 00 

1,050 00 

16,300 00 

1,860 00 

8,000 00 

6,665 00 

2,500 00 

11,520 00 

3,900 00 

6,500 00 

4,392 00 

4,000 00 

3,750 00 

7,245 00 

15,000 00 

12,800 00 

1,250 00 

3,750 00 

22,000 00 

735 00 

8,250 00 

< 1,000 00 

I 3,000 00 

2,000 00 

4,200 00 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 203 



50 shares Westbrook T. Co./Westbr'k, Me., . 
15 T 3 o shares People's Invest. Co., Dallas, Tex., 

Province of Ontario annuities, .... 

Cost value, 



Par Value. 

$5,000 00 
1,530 00 



Market Value. 

$5,500 00 
1,377 00 



$2,622,522 50 $2,769,429 75 
400,126 27 



£3,169,556 02 
3,100,437 97 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 

Paid-up Capital, $440,000. 

George H. Burford, President. C. P. Fraleigh, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, .... 
Premium notes received for renewals, .... 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to purchase paid-up insurance and 
annuities, . . . . . 

Total, 

Deduct amount paid for reinsurance, 



Total premium income, 
Cash received for interest, 

for rents of company's property, 

for reinsurance, . 
Profit and loss, . 

Total income, . . 
Net or ledger assets Dec. 31, 1893, 

Total, . . 



Disbursements. 

Cash paid for losses and additions, . . . 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 



$207,283 02 

908,649 38 

11,762 84 

30,958 13 

34,753 52 

40,582 55 



,233,989 44 
7,913 65 



. $ 1,226,075 79 

321,892 48 

1,471 75 

911 68 

1,181 39 



. $1,551,533 09 
. 6,619,315 72 



5,170,848 81 



$681,903 55 

6,361 61 

51,291 00 

1,000 00 

$740,556 16 
5,000 00 

$735,556 16 



204 UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 



Cash paid to annuitants, 

Premium notes or loans used in purchase of surrendered 
policies, f20,532.95 ; voided by lapse, $5,478.94, . 

Cash dividends paid policy-holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to purchase paid-up insurance and 
annuities, ....... 

Total paid policy-holders, ....... 

Cash paid for dividends to stockholders, 

for commissions to agents, new policies, $108,924.96 ; 

renewals, $77,688.32, 

for salaries and allowances to managers and agents, 

for medical examiners 1 fees, 

for salaries of officers and home office employees, 
for taxes on new premiums, $1,983.10 ; on renewals, 

$,7130.05, 

for taxes on reserves, $1,206.84 ; on investments, 

$3,150.56, 
for fees, licenses, etc., 
for rent, . 

for advertising and printing, 
for legal expenses, 
for incidentals, . 

Total disbursements, 

Balance, 




$2,521 53 

26,011 89 
22,064 78 
30,958 13 

34,753 52 
42,086 17 

40,582 55 

$934,534 73 
30,800 00 

186,613 28 
71,365 69 
24,367 50 
55,642 82 

9,113 15 

4,357 40 

7,825 04 

25,453 42 

20,595 08 

9,797 38 

25,896 56 



,764,486 76 



Invested in the following : 



Assets as per Ledger Accounts 

Cost value of real estate, ..... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Bills receivable, 

Agents 1 ledger balances, . 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, . 



5,818 31 

4,504,290 31 

78,973 38 

99,623 75 

169,362 76 

1,661,290 51 

1,103 59 

153,910 73 

12,826 04 

14,287 38 



!,764,486 76 
11,818 31 

3,752,668 45 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 205 



Other Assets. 






Interest due and accrued, . 


« • ■ 


. ■ . 


$93,259 51 


Market value of stocks and bonds, 


over cost, . 


. 


41,085 32 


Uncollected premiums on poli- 


New Business. 


Renewals. 




cies in force, .... 


$47,937 91 


$88,976 19 




Deferred premiums on policies 








in force, ..... 


20,267 83 


95,650 26 





Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



,205 74 
13,641 15 



$184,626 45 
36,925 29 



$54,564 59 $147,701 16 



202,265 75 



Total assets, per company's books, .... 

Items not admitted. 
Agents' balances, ...... $14,287 38 

Bills receivable, ...... 12,826 04 

Total, . — 

Total admitted assets, .„.,... 
Deduct special deposits in other States, 

Balance, 



17,089,279 03 



27,113 42 

',062,165 61 
135,400 00 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, . 
Death losses and matured endowments in proc- 
ess of adjustment, 

Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holders, 
Due for salaries, rent and office expenses, 
Premiums paid in advance, .... 
Liability on lapsed policies, . . 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



1,926,765 61 



1,535,849 00 
51,715 00 



1,484,134 00 



$14,140 00 
1,900 00 

22,100 00 
36,000 00 



74,140 00 

16,375 00 

5,906 88 

3,776 61 

2,285 00 



1,586,617 49 
135,400 00 



1,451,217 49 



Surplus as regards policy-holders, . . . $475,548 12 

Paid-up capital, 440,000 00 

Surplus over capital, . . . ..... 35,548 12 

Gross liabilities, $6,926,765 61 



206 UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1893, 
Premium notes received daring 1891, 

Total, 

Used in payment of losses and claims, 
Used in payment of surrendered policies 
Voided by lapse, .... 
Redeemed by maker in cash, 

Total, 



Balance note assets Dec. 31, 1891, 



$230,726 17 

11,762 84 

$7,361 61 

20,532 95 

5,478 94 

39,752 75 



$242,489 01 



73,126 25 
$169,362 76 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Number. Amount. Total No. Total Amount. 

. 10,547 $20,512,333 00 
. 1,727 3,055,497 00 
. *6,084 *18,451,002 00 . 
717,027 00 . 
— 18,358 $42,735,859 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Policies' issued during the Year, 

. 1,723 $4,194,505 00 

254 510,750 00 

. 2,050 5,954,016 00 



4,027 10,659,271 00 



Old Policies revived. 
22 $37,500 00 

6 , 12,000 00 



159 



501,000 00 



187 



550,500 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies increased. 

33 $94,000 00 

9 38,450 00 

11 23,500 00 



53 



155,950 00 
57,593 00 



Total, .......... 22,625 $54,159,173 00 

Policies terminated during the Year. 

Whole life, . . . 1,445 $3,149,940 00 
Endowment, ... 311 581,975 00 

All other 2,321 8,228,008 00 



4,077 $11,959,923 00 



* Including five annuity policies; amount, $2,553.00. 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 207 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, .... 


289 


$640,046 00 




maturity, 


44 


51,495 00 




expiry, 


110 


795,691 00 




surrender, . 


187 


586,181 00 




lapse, .... 


2,655 


7,634,760 00 




change and decrease, . 


49 


311,450 00 




Not taken, .... 


743 


1,940,300 00 








4,077 


$11,959,923 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1894. 

. 10,880 $21,688,398 00 

. 1,685 3,034,722 00 

. 5,983 17,150,692 00 

325,438 00 



18,548 $42,199,250 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Northern Gas Light Company, New York, 
50 shares Central Gas Light Co., New York, 
Northern Gas Light Company bonds, 
100 shares Missouri Pacific Railway, 

75 shares Western Union Telegraph Co., 
Missouri Pacific Railway bonds, 
163 shares American Telegraph & Cable Co , 

66 shares N. Y., Lackawanna & Western Ry. 
Missouri Pacific Railway bonds, 
40 shares American Telegraph & Cable Co., 
25 ' 
16 ■ 
20 ' 
20 ' 
22 « 
50 « 
81 ■ 



' American Telegraph & Cable Co., 

< United N. J. R.R. & Canal Co., 

' Importers' & Traders' Nat'l Bank, 

' Missouri Pacific Railway Company 

' H. B. Claflin Company, . 

' Northern Gas Light Co., N. Y., 

' Central Gas Light Company, N. Y. 

Manhattan Railway bonds, 

Morris & Essex Railroad bonds, 

Wabash Railroad bonds, . 



$19,575 00 
2,625 00 

10,000 00 
2,662 50 
6,525 00 
1,085 00 

14,833 00 
7,590 00 J 
2,170 00 
3,640 00 
2,275 00 
3,680 00 

10,800 00 
480 00 
2,158 75 
3,375 00 
4,252 50 
6,790 00 
6,975 00 
3,142 50 



Loaned Thereoa. 



y $47,700 00 



2,223 38 

1,150 00 

2,800 00 

8,000 00 

2,500 00 
2,000 00 
5,100 00 
5,000 00 
2,500 00 



$114,634 25 $78,973 38 



Schedule B. 
Bonds owned by the Company. 

Cost Value. Market Value. 

United States consols, . . . . . $60,602 55 $56,750 00 
District of Columbia bonds, . ." . . 131,384 40 138,000 00 



208 THE WASHINGTON LIFE INSURANCE CO., NEW YORK, 



Jersey City bonds, 

New York, Lackawanna & Western R'y bonds, 
Oswego & Syracuse Railroad bonds, 
Chicago & Northwestern Railway bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
Missouri Pacific Railway bonds, 
Iowa Central Railway bonds, . 
St. Louis, Iron Mountain & South'n R'y bonds, 
St. Louis & Iron Mountain Railroad bonds, 
Chicago, Burlington & Quincy R'y debentures, 
New York Central Railway bonds, . 
Louisville & Nashville Railroad bonds, . 
Kansas Pacific Railway bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds, 
Burling , Cedar Rapids and North. R'y bonds, 
Chicago, Rock Island & Pacific Railway bonds, 
Metropolitan Elevated Railway bonds, . 
East Tenn., Virginia & Georgia R'y bonds, 
Atchison, Topeka & Santa Fe Railway bonds, 
Province of New Brunswick bonds, 
Texas & Pacific Railway bonds, 
Michigan Central Railroad bonds, . 



Cost Value. 

$155,993 10 
47,801 98 
30,600 00 
99,099 32 

151,885 06 

212,496 75 
71,550 00 
35,732 88 
53,456 64 
46,195 21 

123,124 08 
38,430 00 

101,685 20 
27,750 00 
42,000 00 

104,750 00 
14,933 31 
24,518 41 
21,154 86 
20,025 00 
17,559 26 
28,562 50 



Market Value. 

$159,472 50 

55,160 16 

33,350 10 

109,625 00 

172,500 00 

203,334 00 

76,912 20 

38,875 00 

52,667 00 

49,708 50 

127,244 12 

48,930 00 

71,000 00 

31,500 00 

46,875 00 

102,250 00 

16,607 50 

25,823 00 

13,250 00 

21,000 00 

21,583 25 

29,958 50 



$1,661,290 51 f 1,702,375 83 



"THE WASHINGTON LIFE INSURANCE COMPANY, NEW 

YORK," N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, I860.] 

Paid-up Capital, $125,000. 

W. A. Brewer, Jr., President. Cyrus Munn, Assistant Secretary. 



Income. 

Cash received for premiums on new policies, .... 

Cash received for renewal premiums, ..... 

Dividends applied to pay running premiums, .... 

Dividends applied to purchase paid-up additions and annuities, 

Surrender values applied to purchase paid-up insurance and 

annuities, .......... 

Received for annuities, 



Total, . 
Cash received for interest, 



$187,676 44 

1,544,035 59 

92,591 05 

116,751 00 

163,305 44 
1,391 15 

$2,105,750 67 
581,912 68 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 209 



Cash received as discount on claims paid in advance, 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1893, . 



Total, 



54,629 16 
9,997 38 



$2,702,289 89 
12,170,514 20 



$14,872,804 09 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Return premiums, ....... 

Cash dividends applied to pay running premiums, . 

Cash dividends applied to purchase paid-up additions and 

annuities, ..... 
Surrender values paid in cash, . 
Surrender values applied to purchase paid-up insurance and 

annuities, . . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $103, 

649.22 ; renewals, $88,463.44, 
for salaries and allowances to managers and 

agents, 

for medical examiners' fees, .... 
for salaries of officers and home office employees 
for taxes on new premiums and renewals, 
for taxes on reserves, $2,884.37 ; on investments 

$86.58, .... 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for advertising and printing, 
for incidental expenses, . 
Profit and loss, 



Total disbursements, 
Balance, 



$752,683 36 
167,455 42 

$920,138 78 

11,786 29 

1,556 15 

92,591 05 

116,751 00 
163,048 64 

163,305 44 

1,469,177 35 
8,750 00 

192.112 66 

84,825 64 
22,740 00 
85,188 84 
15,663 88 

2,970 95 
7,250 89 
10,500 00 
28,075 57 
21,261 79 
41,555 63 
8,330 36 



$1,998,403 56 
$12,874,400 53 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost* value of real estate, . . $608,842 87 

Loans on mortgage of real estate (first liens), - . . . 10,370,378 17 

Loans on company's policies assigned as collateral, , . 488,981 76 



210 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, ...... 

Cash deposited in bank, 

Agents 1 ledger balances, . .... 

Ledger assets (as per balance), . . . 



,141 13 

4,523 31 

681,285 23 

34,248 06 



112,874,400 53 



Other Assets. 
Interest due and accrued, ..... 
Market value of stocks and bonds, over cost, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



,649 12 

21,596 40 

143,245 52 
8,649 10 



Renewals. 

$85,661 32 

186,401 87 

$272,063 19 
54,412 64 



$34,596 42 $217,650 55 



139,782 11 
61,088 87 



Total assets, per company's books, . 



252,246 97 
$13,327,518 48 



Items not admitted. 



Agents 1 balances, 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



34,248 06 

$13,293,270 42 
11,230 00 



$13,282,040 42 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries 1 4 per cent.), 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, . 
Due for salaries, rent and office expenses, 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



Gross liabilities, 



$12,709,971 00 



$1,309 15 
2,551 95 

76,775 20 



80,636 30 
2,833 31 
8,547 00 



$491,282 81 



$12,801,987 61 
11,230 00 

$12,790,757 61 

125,000 00 
366,282 81 

$13,282,040 42 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 211 



Whole life, 
Endowment, 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1893. 

Amount. Total No. 

,981,034 00 
18,765,228 00 



Number. 

14,697 
9,662 



963,259 00 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 3,156 $5,651,298 00 
816 1,317,385 00 



Whole life, 
Endowment, 
All other, . 


Old Policies revived. 
450 |1,061,159 00 
257 555,669 00 
10,573 00 



707 



Old Policies increased. 



Additions by dividends, 



Total,. 29,038 



Policies terminated during the Year. 



Whole life, 
Endowment, 
All other, . 



By death, . 
maturity, 
surrender, 
lapse, . 

Not taken, . 



3,120 


$6,202,838 00 


1,275 


2,437,762 00 


- 


200,060 00 


4,395 


18,840,660 00 


How terminated. 


299 


$748,670 00 


120 


159,978 00 


1,075 


2,479,807 00 


2,412 


4,335,268 00 


489 


1,116,937 00 



Whole life, 
Endowment, 
Reversionary additions, 



Policies in Force Dec. 31, 1894. 

. 15,183 $30,490,653 00 
. 9,460 18,200,520 00 



936,924 00 



Total Amount. 



24,359 $49,709,521 CO 



3,972 6,968,683 00 



1,627,401 00 



163,152 00 



,468,757 00 



4,395 8,840,660 00 



24,643 $49,628,097 00 



Schedule A. 

Bonds owned by the Company. 

Cost Value. 

United States bonds, $343,500 00 

New York City bonds, 225,312 50 

Brooklyn water loan bonds, .... 106,098 63 

Richmond, Va., city bonds, . . . . 11,230 00 



Market Value. 

$343,500 00 

257,500 00 

135,000 00 

11,230 00 



,141 13 $747,230 00 



ACCIDENT AND GUARANTEE 
COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1894. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES, 



"^ETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 
[accident department.] 

[Commenced business, Accident Department, Jan. 1, 1891.] 

Morgan G. Bulkeley, President. Joel L. English, Secretary. 

Summary of Assets Dec. 31, 1894. 

Loans on mortgage of real estate (first liens*), $112,100 00 

Interest clue or accrued thereon, . . . 453 83 

Cash in the office of the company, . . . 2,446 95 

Cash deposited in bank, ..... 22,543 14 

Gross assets, ___ — . $137,543 92 

Liabilities. 

Losses claimed and reported, .... $ 17,355 00 
Losses disputed or resisted, . . . , 1,891 66 

Unearned premiums on outstanding risks, . 63,130 34 

Gross liabilities, ...... 82,377 00 

Surplus as regards policy-holders, $55,166 92 

Income. 

Premiums on risks written or renewed, . . $153,372 24 
Less reinsurance and return premiums, . . 2,412 32 

Net cash premiums received, .... $150,959 92 

Interest received on mortgages, ...... 5,770 96 

Interest and dividends received from all other sources, . „ 1,745 87 

Gross cash income, ........ $158,476 75 

Expenditures. 

Cash paid for losses, ...... $66,752 99 

Deduct salvage and reinsurance, . . . 250 00 

Net cash paid for losses, .... $66,502 99 

Cash paid for commissions and brokerage, .... 43,229 02 

* Value of lands mortgaged, $315,592 00 

Value of buildings thereon 68,330 00 

Amount of insurance held as collateral 10,100 00 



216 AMERICAN MUTUAL LIABILITY INSURANCE COMPANY. 



Cash paid for salaries of officers and employees, . 
for State and local taxes, 
for rent and incidentals, .... 

Gross cash expenditures, 



$14,258 81 
2,400 54 
8,572 26 



$134,963 62 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 



Risks and Premiums. 

Premiums. 

.$ 20,755,300 00 $92,171 66 
. 39,219,750 00 153,372 24 



Total, . 
Risks terminated during 1894, . 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



. $59,975,050 00 $245,543 90 
. 30,202,500 00 119,529 10 



,772,550 00 $126,014 80 
541,500 00 2,038 00 



.$29,231,050 00 $123,976 80 



Miscellaneous. 
Losses incurred during the year, 



,784 00 



Massachusetts Business. 

Accident risks written, • . . . $2,175,100 00 

Premiums received, : . . . . 9,202 32 

Losses paid, 1,099 27 

Losses incurred, .......... 1,225 70 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY, 

BOSTON. 



[ Incorporated March 30, 1887. Commenced business Oct. 1, 1887.] 

Wm. C. Lovering, President. S. A. Williams, Secretary. 

Office, 40 Water Street. 



Detailed Statement of Stocks, Bonds, etc. 



Old Colony Railroad bonds, .... 
Boston & Lowell Railroad bonds, . 
Burlington & Missouri River Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds, 
Phila., Wilmington & Baltimore R.R. bonds, . 
Corporation note, 



Par Value. 

$20,000 00 
20,000 00 
5,000 00 
16,000 00 
10,000 00 
40,000 00 



Market Value. 

$21,100 00 
20,680 00 
4,850 00 
15,255 00 
10,100 00 
40,000 00 



$111,000 00 $111,985 00 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY. 217 



Summary of Assets Dec. 31, 1894. 

Stocks, bonds, etc., as per schedule, . . $111,985 00 

Cash in office of the company, .... 80 74 

Cash deposited in bank, . . . . . 33,615 81 

Interest due and accrued, ..... 1,457 06 

Premiums in course of collection (gross), . 408 49 

Rents due and accrued, . 68 75 
Premiums more than three months due, $100 00 

Gross assets, — $147,615 85 



Liabilities. 
Claims adjusted, unpaid, .... 
Claimed and reported, .... 
Unearned premiums and outstanding risks, 
Due and accrued for rent, 

Gross liabilities, 

Net cash assets, ...... 



$1,166 66 

20,000 00 

60,537 16 

258 00 



81,961 82 
$65,654 03 



Income. 



Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$647 28 
122,497 84 

$123,145 12 
508 49 

$122,636 63 
7,768 63 



sources, 



$114,868 00 

5,096 84 

275 00 



$120,239 84 



Expenditures. 

Cash paid for losses, ..... 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 
for rents, . 
for incidentals, 
for inspections, 

Gross cash expenditures, . 



$49,819 19 
35,509 40 
11,180 04 
1,126 92 
1,000 00 
2,703 64 
3,734 99 



$105,074 18 



218 



AMERICAN SURETY COMPANY OF NEW YORK. 



Risks and Premiums. 

Amount. Cash Prem's. Cont. Prems. 

Risks outstancTg Dec. 31,1893, $52,168,900 00 $124,944 84 $624,724 20 

Risks written during 1894, . 50,622,120 00 122,497 84 612,489 20 



Total, .... $102,791,020 00 $247,442 68 $1,237,213 40 
Risks terminated during year, 52,688,900 00 126,368 36 631,84180 



In force at end of year, . 



,102,120 00 f 121,074 32 $605,371 60 



Miscellaneous. 

Losses incurred during the year, f 66,901 00 

Percentage of profits or surplus returned during 1894, . . 30 per cent. 



Massachusetts Business. 

Risks written during year, 

Premiums received during year, .... 

Losses paid during year, 

Losses incurred during year, ..... 



$34,532,120 00 
83,527 00 
38,568 00 
46,831 00 



AMERICAN SURETY COMPANY OF NEW YORK," NEW 

YORK, N. Y. 

[Incorporated April 14, 1884. Commenced business April 14, 1884.] 



Paid-up Capital, $2,000,000. 



Wm. L. Trenholm, President. 



David B. Sickels, Treasurer, 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $400,000 00 $455,125 00 

Louisville, St. Louis & Texas Railroad bonds, 174,000 00 26,100 00 

North Carolina State bonds, .... 10,000 00 11,235 00 

Missouri, Kansas & Texas Railroad bonds, . 35,000 00 28,350 00 

Toledo, St. Louis & Kansas City R.R. certs., . 323,909 99 323,909 99 

Delaware & Hudson Canal Company stock, . 70,000 00 88,725 00 

Western Union Telegraph Company stock, . 80,000 00 69,600 00 

Manhattan Railroad Company stock, . . 40,000 00 42,000 00 

Union Pacific Railroad stock, .... 10,00000 1,12500 

Mechanics National Bank stock, . . . 9,825 00 18,176 25 

The State Trust Company stock, . . . 257,000 00 514,000 00 

Maryland Trust Company stock, . . . 12,500 00 12,500 00 

Philadelphia Bourse stock, .... 500 00 500 00 

Lawyers 1 Mortgage Insurance Company stock, 10,000 00 12,500 00 



.,432,734 99 $1,603,846 24 



AMERICAN SURETY COMPANY OF NEW YORK. 



219 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest clue or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Interest and rents due and accrued, . 
Premiums in course of collection (gross), 

Bills receivable, 

Premiums more than 3 months due, §34,686 72 

Gross assets, 

Deduct special deposits in other States, . 



31, 1894. 

$2,142,492 53 

15,000 00 

375 00 

1,603,846 24 

2,668 30 

131,329 51 

27,026 52 

54,178 70 

47,279 22 



$4,024,196 02 
190,034 00 



Balance, $3,834,162 02 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Dividends to stockholders, unpaid, . 

Due for borrowed money, 

Commissions and brokerage, . 

Trust funds, ..... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, ..... 



$118,641 90 

125,875 00 

478,408 59 

40,569 00 

375,000 00 

2,000 00 

22,119 19 

1,162,613 68 
50,318 69 



1,112,294 99 

^2,721,867 03 
2,000,000 00 



Surplus over capital, . 



. $721,867 03 



Income. 
Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, , 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash premiums received, 



t,592 21 
1,089,437 87 

11,174,030 08 

88,865 42 

.1,085,164 66 
139,068 96 



$946,095 70 



* Value of lands mortgaged, $17,000 00 

Value of buildings thereon 7,000 00 

Amount of insurance held as collateral 7,000 00 



220 



AMERICAN SURETY COMPANY OF NEW YORK. 



Received from rents, 

Interest and dividends received from all sources, 
Income from profits on securities sold, . 
Income from borrowed money, 



$21,398 02 

59,063 57 

5,665 00 



175,000 00 



Gross cash income, 



.$1,032,222 29 



Expenditures. 



Cash paid for losses, . 

Deduct salvage and reinsurance, 



$328,131 82 
53,033 79 



Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for state and local taxes, , 

for incidentals, 

Gross cash expenditures, .... 



|275,098 03 

119,431 00 

34,612 45 

211,925 37 

30,010 39 

94,337 83 

$765,415 07 



Risks and Premiums, 

Premiums. 

Risks outstanding Dec. 31, 1893, . . $127,015,338 00 $776,832 11 
Risks written during 1894, . . . 171,228,612 00 1,089,437 87 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$298,243,950 00 $1,866,269 98 
144,729,637 00 909,452 81 



$153,514,313 00 $956,817 17 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 



^4,438,797 00 

1,438,927 00 

291,750 00 



Massachusetts Business. 



Surety risks written during year, 
Premiums received during year, 
Losses paid during year, . 
Losses incurred during year, . 



$7,507,100 00 
38,681 00 
31,011 00 
31,317 00 



THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHIL A. 221 



"THE CITY TRUST SAFE DEPOSIT AND SURETY COMPANY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated June 4, 1886. Commenced business June 4, 1886.] 

Paid-up Capital, $500,000. 

Charles M. Swain, President. James F. Lynd, Secretary, 



Detailed Statement of Stocks and Bonds. 



City of Pittsburgh bonds, . 

City of Erie bonds, . 

City of Williamsport bonds, 

City of Allegheny bonds, . 

City of Philadelphia bonds, 

County of Allegheny bonds, 

Town of South Chester bonds, 

Town of South Bethlehem bonds, 

Lehigh Coal & Navigation Company bonds, 

Philadelphia & Erie Railroad bonds, 

Pittsburgh, Cincinnati & St. Louis R.R. bonds, 



Par "Value. 

|29,600 00 

13,000 00 

9,000 00 

1,000 00 

57,000 00 

28,000 00 

16,000 00 

17,000 00 

5,000 00 

7,000 00 

15,000 00 



Market Value. 

$32,380 00 

13,520 00 

9,000 00 

1,080 00 

62,110 00 

29,770 00 

16,480 00 

17,340 00 

6,600 00 

8,260 00 

17,435 00 



$197,600 00 $213,975 00 



Summary of Assets Dec. 31, 1894. 

Loan on mortgage of real estate, . . . $6,000 00 

Stocks and bonds, as per schedule, . . . 213,975 00 

Premiums in course of collection (gross), . 5,867 14 

Due from Trust Dept. for premiums collected, 80,113 82 

Cash in hands Penn. Insurance Department, . 7,033 22 
Premiums more than 3 months due, $1,508 89 

Gross assets, 



$312,989 18 



Liabilities. 



Losses disputed or resisted, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for advertising, etc , 

Gross liabilities, ...... 



£3,900 00 
3,000 00 



$900 00 

59,789 35 

200 00 



60,889 35 



Surplus as regards surety policy-holders, 



$252,099 83 



222 THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHILA. 



Income 
Premiums outstanding Dec. 31, 1893, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, .... o . 
Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Interest received on mortgages, 
Income from commissions, 

Gross cash income, . 



$4,765 62 
260 00 




$4,505 62 
87,489 85 




$91,995 47 
7,376 03 




$84,619 44 
6,864 71 

i ■ • 


$77,754 73 

7,033 22 

714 99 


| o 


$85,502 94 



Expenditures. 

Cash paid for losses, ...... 

Deduct salvage and reinsurance, 

Net cash paid for losses, .... 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for legal expenses, .... 

for incidentals, .... 

Gross cash expenditures, .... 



$18,169 10 
4,505 89 



$13,663 21 
12,000 00 
3,046 76 
19,956 14 
1,336 89 
1,406 00 
9,250 00 

,659 00 



Risks and Premiums. 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

.$27,227,747 00 f 122,418 16 
. 20,659,043 00 87,489 85 



. $47,886,790 00 $209,908 01 
. 18,445,761 00 85,265 82 



.$29,441,029 00 $124,642 19 
. 1,446,665 00 5,063 49 



. $27,994,364 00 $119,578 70 



Miscellaneous. 

Premiums received from organization of company, 
Surety losses paid from organization of company, . 
Surety losses incurred during the year, . 



$463,760 00 
62,698 00 
10,863 00 



CONVEYANCEKS TITLE INSURANCE COMPANY, BOSTON. 223 



Massachusetts Business. 

Surety risks written during the year, 

Premiums received during year, .... 

Losses paid during the year, 

Losses incurred during the year, . . . 



$1,375,095 00 
5,665 00 
1,712 00 
1,712 00 



CONVEYANCERS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 31, 1889. Commenced business March 18, 1889.] 

Paid-up Capital, $200,000. 

Frederick C. Bowditch, President. James R. Garret, Secretary. 

Henry H, Edes, Treasurer and Manager. 
Office, 28 State Street. 



Detailed Statement of Stocks. 

Par Value. Market Value. 

$10,000 00 $10,025 00 

Third National Bank, . . . 10,000 00 9,000 00 

National Bank of Commerce, . . 10,000 00 11,375 00 

State National Bank, . . . 5,000 00 5,775 00 

$35,000 00 $36,175 00 



100 shares Boston National Bank, 
100 ' 
100 ' 
50 * 



Summary of Assets Dec 



Loans on morto-ao-e of real estate, 
Interest due and accrued thereon, 
Stocks as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Gross assets, . . 



31, 1894. 

$128,700 00 

1,093 85 

36,175 00 

264 13 

76,554 60 



$242,787 58 



Income. 

Received from premiums, .... 
from question fees, .... 

from searches, 

from commissions, .... 
Interest and dividends received from all 

sources (net), 

Taxes refunded, 

Gross cash income, ..... 



$6,870 25 




10 00 




19,120 21 




9,381 95 




14,655 92 




82 14 






$50,120 47 



224 the employers' liability assurance corporation, l't'd, 



Expenditures. 

Cash dividends paid, 

paid for salaries of officers and employees, 
for counsel fees and decisions, 
for commissions and brokerage, 
for advertising, 
for State taxes, . 
for losses under title-policies, 
for premiums refunded, . 
for office rent, . 
for general expenses and incidentals, 
Gross cash expenditures, .... 



Miscellaneous. 

Amount of policies issued during the year, .... $1,689,800 00 
of mortgages bought during the year, . . . 1,811,681 32 
of mortgages sold during the year, .... 1,876,391 60 

Capital stock at par, owned by the directors (32| per cent.), 61,500 00 



$8,000 


00 


14,091 


00 


4,920 


66 


1,250 


62 


227 


40 


- 82 


14 


320 


08 


100 


00 


850 


00 


3,243 


48 




— $33,085 38 



UNITED STATES BRANCH OF "THE EMPLOYERS' LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 

Geo. M. Endicott, Attorney. 

Office, 71 Kilby Street, Boston. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Atchison R.R. bonds,. ..... $29,00000 $14,59000 

Aroostook County bonds 5,000 00 5,000 00 

Baltimore & Ohio Railroad bonds, . . . 26,000 00 28,080 00 

City of Lynn bonds, 50,000 00 52,500 00 

City of Los Angeles bonds, . 25,000 00 25,000 00 

Dexter & Piscataquis Railroad bonds, . . 50,000 00 50,000 00 

Eastern Railroad bonds, 5,000 00 6,050 00 

Maine Central bonds, 7,000 00 7,695 00 

N. Y. Central & H. R. Railroad bonds, . . 20,000 00 25,200 00 

Oregon Railroad & Navigation Co. bonds, . 30,000 00 33,000 00 

Pennsylvania Railroad bonds, .... 5,000 00 5,750 00 

Town of Andover bonds, 60,000 00 62,100 00 

Town of Canton bonds, ..... 5,000 00 5,225 00 

United States registered bonds, . . . 250,000 00 286,500 00 

City of Buffalo bonds, . . . . . 50,000 00 50,500 00 

West End Railway bonds, .... 50,000 00 52,000 00 

City of Providence bonds, . . . 4,000 00 4,480 00 

Philadelphia, Wil. & Baltimore R.R bonds, . 50,000 00 50,500 00 

City of Springfield bonds, .... 5,000 00 5,450 00 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, L't'd. 225 



Boston & Maine Railroad bonds, 
City of Portland, Ore., W. L. bonds, 
Fort Street Union Depot Company bonds, 



Par Value. 

$15,000 00 
60,000 00 
25,000 00 



Market Value. 

$16,875 00 
67,350 00 
25,750 00 



$826,000 00 $879,595 00 



Summary op Assets Dec. 31, 1894. 



Stocks and bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Premiums more than 3 months due, $12,675 24 



$879,595 00 

660 44 

7,996 96 

7,297 50 

228,580 32 



Gross assets, 



Unadmitted. 



Cash not in control of trustees, 
Special deposits in other States, 



$808 91 
58,500 00 



,124,130 22 



59,308 91 



Balance, $1,064,821 31 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$206,255 00 

22,850 00 

418,853 32 

45,632 00 

$693,590 32 
1,684 92 



691,905 40 

$372,915 91 
200,000 00 



Surplus over capital, . $172,915 91 



Income. 

Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 



Net cash fire premiums received, 
Interest and dividends received from all 
Appreciation of securities, , , 

Gross cash income, , 



$257,882 24 
1,039,330 84 

51,297,213 08 
241,255 56 

^1,055,957 52 
173,143 87 



sources, 



$15,857 05 



$882,813 65 
36,948 07 

$919,761 72 



226 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, ..... 

Risks and Premiums. 



$559,997 55 

179,160 59 

72,916 58 

18,896 11 

70,481 83 

$901,452 66 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$203,187,985 
236,193,206 



Premiums. 

00 $903,057 71 
00 1,039,330 84 



$439,381,191 
249,867,950 



00 fl,942,388 55 
00 1,099,941 18 



$189,513,241 00 $842,447 37 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the 3'ear, .... 



Massachusetts Business. 



Surety risks written, 
Premiums received, 
Losses paid, 
Losses incurred, 



. $5,435,983 00 

. 2,648,430 00 

572,133 00 

$57,519,436 00 
255,642 00 
138,044 00 
138,044 00 



"THE FIDELITY AND CASUALTY COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 
Paid-up Capital, $250,000. . 

George F. Seward, President. Robert J. Hillas, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . f 150,000 00 $165,937 50 

State of Indiana bonds, 50,000 00 49,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 50,000 00 52,250 00 

Western Union Telegraph Company bonds, . 25,000 00 27,406 25 

Central Ohio Railroad bonds, .... 25,000 00 25,875 00 

Wabash Railroad bonds, 25,000 00 26,125 00 

Cm., Ind., St. Louis & Chicago R.R. bonds, . 25,000 00 23,250 00 

Central Railroad of New Jersey bonds, . . 25,000 00 28,500 00 

Lake Erie & Western Railroad bonds, . . 25,000 00 28,625 00 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 26,875 00 

West Shore Railroad bonds, .... 25,000 00 26,500 00 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



227 



Pitts., Cleve. & Toledo Railroad bonds, 
Canada Southern Railway bonds, 
Chesapeake & Ohio Railway bonds, 
Chesapeake & Ohio Railway bonds, 
Kings County Elevated Railway bonds, 
Rio Grande Western Railway bonds, 
City of New York bonds, . 
City of Richmond, Va., bonds, . 
350 shares Chicago & Alton Railway, 
300 " Western Union Telegraph Co., 
300 " Lake Shore & Michigan South., 
350 " N. Y., Lackawanna & Western, 
1,000 " Pittsburgh, McKeesport & Youg. 
1,000 " Pennsylvania Railroad, 
517 " Morris & Essex Ext. Railroad, 
200 " United New Jersey Railroad, 
300 " Rome, Watertown & Ogden. R.R. 
300 " St. Paul & Duluth Railroad, 
110 " N. Y. Cent. & H. River R.R. Co., 
300 " Consolid't'd Gas Co. of New York 
250 " Cleve., Cin., Chic. & St. Louis R.R 
300 " Chicago & North Western Ry., 
500 " St Paul, Minn. & Manitoba R.R. 
300 " Chicago, Mil. & St. Paul Railway 
300 " Chic, St. Paul, Minn. &Oma. R.R 
300 " Chicago & North West. Ry. Co., 
300 " Chicago & E. Illinois R.R. Co., 
300 " Manhattan Railway Company, 



Par Value. 

$25,000 00 
25,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 

100,000 00 
12,500 00 
35,000 00 
30,000 00 
30,000 00 
35,000 00 
50,000 00 
50,000 00 
51,700 00 
20,000 00 
30,000 00 
30,000 00 
11,000 00 
30,000 00 
25,000 00 
30,000 00 
50,000 00 
30,000 00 
30,000 00 
30,000 00 
30,000 00 
30,000 00 



Market Value. 

$27,750 00 
28,000 00 
10,900 00 
19,100 00 
7,000 00 
7,025 00 
91,000 00 
11,750 00 
51,100 00 
26,025 00 
39,900 00 
40,775 00 
64,000 00 
50,500 00 
50,407 50 
47,000 00 
34,800 00 
25,500 00 
10,752 50 
39,300 00 
20,750 00 
29,100 00 
54,750 00 
35,100 00 
33,000 00 
42,900 00 
28,200 00 
31,500 00 



.,320,200 00 $1,438,228 75 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Interest and rents accrued, 

r Accident, . 
Burglary, 

Employers' liability 
Fidelity, . 
Plate-glass, 
I Steam-boiler, . 
Bills receivable, .... $7,899 65 
Agents' ledger balances, . . . 30,272 63 

Gross assets, 

Deduct special deposits in other States, , 



Premiums in course of 
collection (gross), 



Balance, $2,200,110 48 



31, 1894. 

$325,085 27 

23,206 64 

1,438,228 75 

31,056 49 

14,996 87 

1,588 81 

167,343 36 

6,795 25 

132,772 59 

32,220 42 

38,348 63 

45,886 23 



$2,257,529 31 
57,418 83 



223 



THE FIDELITY AND CASUALTY CO. OF NEW YOEK. 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

'Accident, . 



Unearned premiums on 



Burglary, 



, Employers' liability 
outstanding risks, i Fidelity, . 

J Plate-glass, 
I Steam-boiler, . 

Due for borrowed money, 

Commissions and brokerage, . 

Due for reinsurance, 

Bills payable, ...... 

Gross liabilities, except capital, 
Deduct liability on special deposits, . . 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 



Surplus oyer capital, . 



$343,994 69 

23,688 06 
376,756 86 

26,507 75 
422,762 88 
116,840 78 
138,415 75 
175,962 62 

31,724 00 

120,828 98 

4,969 89 

12,957 53 

1,795,409 79 
56,808 17 



§1,738,601 62 

$461,508 86 
250,000 00 

$211,508 86 



Income. 

Cash received for fidelity risks, 

Deduct reinsurance and return premiums, 

Net cash received for fidelity risks, . 

Cash received for accident risks, 

Deduct reinsurance and return premiums, 

Net cash received for accident risks, 

Cash received for plate-glass risks, . 

Deduct reinsurance and return premiums, 

Net cash received for plate-glass risks, . 

Cash received for boiler risks, . 

Deduct reinsurance and return premiums, 

Net cash received for boiler risks, . 

Cash received for employers 1 liability risks, 

Deduct reinsurance and return premiums, 

Net cash received for employers' liability risks 

Cash received for burglary risks, 

Deduct reinsurance, ..... 

Net cash received for burglary risks, 

Interest and dividends rec'd from all sources 

Income from all other sources, 

Income from borrowed money, 

Gross cash income, .... 



$310,045 91 
95,535 70 

$1,071,685 07 
317,690 25 

$328,929 23 
48,196 26 

$296,407 88 
62,767 03 

$1,103,393 46 
250,681 89 

$61,649 50 
13,288 83 



$214,510 21 
753,994 82 
280,732 97 
233,640 85 
852,711 57 



48,360 67 

68,206 55 

1,384 24 



11,724 00 



. $2,453,541 88 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



229 



Expenditures. 

Cash paid for fidelity claims, .... f 114,233 37 
Deduct amount recovered, .... 61,094 86 

Net cash paid for fidelity claims, . . . $53,138 51 

Cash paid for accident claims, . . . $375,363 18 

Deduct rebate and reinsurance, . . . 2,726 41 

Net cash paid for accident claims, . . . 372,636 77 

Cash paid for plate-glass claims, . . . $89,617 59 
Deduct salvage and reinsurance, . . . 9,200 86 

Net cash paid for plate-glass claims, . . 80,416 73 

Net' cash paid for steam-boiler claims, 37,213 86 

Net cash paid for employers' liability claims, , . . 322,196 51 
Cash paid for burglary claims, . . . $ 6,053 46 

Deduct amount recovered, .... 123 35 

Net cash paid for burglary claims, . . „ — — — 5,930 11 

Cash dividends paid, ........ 40,000 00 

Cash paid for commissions and brokerage, . . . . 680,285 65 

for salaries and travelling expenses of agents, . 231,525 37 
for salaries of officers and home office employees, 237,821 08 
for State and local taxes, ...... 35,931 43 

for interest on borrowed money, .... 2,089 81 

for rent and incidentals, ...... 162,086 46 



Gross cash expenditures, 



1,261,272 29 



Accident risks in force Dec. 31, 1893, 
Accident risks written during the year, 



Risks and Premiums. 

Premiums. 

$128,232,170 00 $748,951 84 
223,928,308 00 1,064,260 39 



Total, 

Risks terminated during year, . 



Deduct risks reinsured, 
In force Dec. 31, 1894, 



$352,160,478 00 $1,813,212 23 
190,944,210 00 1,064,664 66 



$161,216,268 00 $748,547 57 
10,000 00 42 00 



$161,206,268 00 $748,505 57 



Burglary risks in force Dec. 31, 1893, 
Burglary risks written during the year, . 

Total, 

Risks terminated during year, . 



^3,487,950 00 $28,129 75 
8,831,102 00 ' 63,818 75 



$12,319,052 00 $91,948 50 
4,919,300 00 38,932 99 



In force Dec. 31, 1894, 



$7,399,752 00 $53,015 51 



230 THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



Employers' liability risks in force Dec. 31, 
1893, 

Employers 1 liability risks written during 
the year, ...... 

Total,. . . 
Risks terminated during year, 

In force Dec. 31, 1894, 

Fidelity risks in force Dec. 31, 1893, 
Fidelity risks written during the year, . 

Total,. ...... 

Risks terminated during year, . 



Deduct risks reinsured, 
In force Dec. 31, 1894, 



Premiums. 

,683,781 63 $794,865 40 
119,167,431 00 1,059,315 00 



5206,851,212 63 $1,854,180 40 
105,309,904 63 1,001,003 63 



$101,541,308 00 $853,176 77 

$39,019,369 60 $235,910 58 
54,062,978 93 315,131 89 



$93,082,348 53 $551,042 47 
53,777,819 60 317,245 91 



$39,304,528 93 $233,796 56 
20,000 00 115 00 



$39,284,528 93 $233,681 56 



Plate-glass risks in force Dec. 31, 1893, . 
Plate-glass risks written during the year, 

Total, ....... 

Risks terminated during year, . 

In force Dec. 31, 1894, 



$9,600,989 23 $265,415 98 
11,182,164 51 322,533 99 



$20,783,153 74 $587,949 97 
11,155,563 23 310,959 82 



1,627,590 51 $276,990 15 



Steam-boiler risks in force Dec. 31, 1893, 
Steam-boiler risks written during the year, 

Total 

Risks terminated during year, . 



Deduct risks reinsured, . 
In force Dec. 31, 1894, 



,114,161 87 $309,966 29 
70,535,151 00 271,336 80 



$135,649,312 87 $581,303 09 
60,359,104 61 233,484 40 



$75,290,208 26 $347,818 69 
982,000 00 1,926 03 



$74,308,208 26 $345,892 66 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, ..... 
Cash dividends declared from organization of company, 



$14,900,020 00 

5,480,525 00 

871,532 00 

282,500 00 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



231 



Premiums received, 
Losses incurred, 
Losses paid, 



Massachusetts Business. 

Fidelity. 

..... $18,369 00 

611 00 

611 00 



Accident. 

$52,443 00 
8,465 00 
8,465 00 
Risks written, 3,316,367 00 10,376,950 00 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND," 
BALTIMORE, MD. 

[Incorporated Feb. 15, 1890. Commenced business June, 1890.] 
Paid-up Capital, $500,000. 



Edwin WarField, President. 



Herman E. Bosler, Secretary. 



Detailed Statement of Stocks and Bonds. 



Baltimore city bonds, 
Westminster city bonds, . 
Frederick city bonds, 
Maryland State bonds, 
Consolidated Gas Co. bonds, 



Par Value. 

$151,800 00 

25,000 00 

15,400 00 

10,000 00 

8,000 00 



Market Value. 

$155,595 00 

25,000 00 

15,708 00 

10,000 00 

9,200 00 



$210,200 00 $215,503 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for surety risks, . 

Gross assets, 



31, 1894. 

$541,577 73 

215,503 00 

4,275 15 

40,000 00 

12,270 76 

9,964 88 



$823,591 52 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . ... 



$8,779 67 
97,432 54 



106,212 21 



£717,379 31 
500,000 00 



Surplus over capital, $217,379 31 



232 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



Income. 
Premiums outstanding Dec. 31, 1893, 
Same not collected, . . 

Net collected, .... 
Premiums on risks written or renewed, 

Total, ...... 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received, 

Income from rents, 

Income from interest on trust funds, $17,881 71 

Gross cash income, 



,151 83 
1,495 13 

$14,656 70 
178,165 68 

$192,822 38 
22,235 64 



$170,586 74 
3,685 16 



$166,901 58 
10,449 66 

5,758 00 

$183,109 24 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$25,662 18 
1,030 91 



$24,631 27 

22,800 59 

14,629 26 

8,618 95 

14,711 68 

$85,391 75 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1893, . . $31,104,407 00 $113,896 09 

Risks written during 1894, ... 35,898,419 00 178,165 68 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 



$67,002,826 00 $292,061 77 
24,557,718 00 97,196 08 



$42,445,108 00 $194,865 69 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$410,621 00 

36,015 00 

31,153 00 

241,150 00 



Massachusetts Business. 

Surety risks written during year, .... 
Premiums received during year, . . . . 



.,540,315 00 
9,917 00 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



233 



UNITED STATES BRANCH OF " THE GUARANTEE COMPANY 
OF NORTH AMERICA," MONTREAL, CAN. 

Deposit Capital, $200,000. 

Edward Rawlings, President. Robert Kerr, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, ...... $100,000 00 $112,400 00 

Richmond city bonds, ..... 16,000 00 16,150 00 

Toronto city bonds, ...... 10,000 00 10,900 00 

Montreal harbor bonds, ..... 17,000 00 19,535 00 

Lake Erie & St. Louis Railroad bonds, . . 9,150 00 1,830 00 

Canada Southern Railroad bonds, . . . 10,000 00 10,500 00 

Brooklyn city bonds, ..... 110,000 00 105,600 00 

United States Guarantee Company stock, . 149,100 00 149,100 00 

Philadelphia Bourse stock, . . 200 00 200 00 

Western Union stock, 20,000 00 17,300 00 



$441,450 00 $443,515 00 



Summary of Assets Dec. 31, 1894. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks and bonds as per schedule, . 
Cash deposited in bank, ..... 

Interest due and accrued, ..... 

Premiums in course of collection (gross), . 
Furniture and safes, ...... 

Gross assets, 



Unadmitted. 



Special deposit in Vh 
Stocks and bonds, . 
Cash in bank, 
Real estate, 
Loans on mortgages 
Office furniture, . 



Balance, 



gmia, 

i 
s- 



( 



Not in control of ! 



trustees, 



$34,061 33 
8,030 00 

443,515 00 

40,343 98 

3,380 00 

8,238 67 

2,478 50 



$16,150 00 

84,265 00 

40,343 98 

34,061 33 

8,030 00 

2,478 50 



$540,047 48 



185,328 81 



$354,718 67 



Liabilities. 



Losses claimed and reported, . 
Losses disputed or resisted, . 



$22,989 49 
69,500 00 



234 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit, . 

Impairment of capital,* .... 

Income. 
Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 

Total, . . . ... 

Premiums now in course of collection, . 



$93,190 01 
1,442 81 



7,122 31 
2,956 54 



$184,165 77 



$170,552 90 
200,000 00 



$29,447 10 



$17,766 61 
239,237 43 



$257,004 04 
8,238 67 



Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, .... — 

Interest and dividends received from all sources, . 

Income from rents, 



$248,765 37 
62,162 91 



f 186,602 46 

18,617 26 

794 89 



Gross cash income, $206,014 61 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, ....,- 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidental expenses, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$55,456 66 
22,100 89 



$33,355 77 
6,957 00 
1,442 09 

20,854 31 
5,006 94 

54,784 13 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$43,234,672 00 
50,778,943 00 



$94,013,615 00 
49,249,410 00 



$44,764,205 00 
7,499,460 00 



$122,400 24 



Premiums. 

$207,159 95 
239,237 43 

$446,397 38 
222,041 91 

$224,355 47 
37,975 45 



$37,264,745 00 $186,380 02 



* Since rendering its annual statement the company has made good this impairment by plac- 
ing in the hands and possession of its trustees additional securities to the amount of $31,000.00. 



THE GUARANTORS LIABILITY INDEMNITY CO. OF PA. 



235 



Miscellaneous. 
Premiums received from organization of company, . . $2, 187,500 00 
Losses paid from organization of company, .... 831,937 00 
Losses incurred during the year, 75,660 00 

Massachusetts Business (Fidelity). 

Risks written, $6,099,743 00 

Premiums received, 36,399 00 

Losses paid, 6,265 00 

Losses incurred, . 9,4o5 00 



"THE GUARANTORS LIABILITY INDEMNITY COMPANY OF 
PENNSYLVANIA," PHILADELPHIA, PA. 

[Incorporated April 21, 1894. Commenced business May 1, 1894.] 
Paid-up Capital, $250,000. 
Thomas V. Cooper, President. William H. Knork, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Lehigh Valley Railway Company bonds, . $12,000 00 

Bay Cities Consolidated R'y Company bonds, 2,000 00 

Brigantine Transit Company bonds, . . 3,000 00 

Newark Pass Railway Company bonds, . . 2,000 00 

Pennsylvania Railroad bonds, .... 3,000 00 

City of Richmond bonds, 11,000 00 

Meriden Gas Light Company bonds, . . 20,000 00 

Penn. & Northwestern Railway bonds, . . 10,000 00 

Lakeside Railwa}^ Company bonds, . . . 3,000 00 

Toledo Park, Ohio, bonds, .... 20,000 00 

Gallipoles City, Ohio, bonds, .... 10,000 00 

New Jersey Consolidated Traction Co. bonds, 10,000 00 

City of Philadelphia bonds, .... 60,000 00 

City of Wooster, Ohio, bonds, .... 10,000 00 

County of Putnam, Ohio, bonds, . . . 10,000 00 

City of Brooklyn bonds, ..... 40,000 00 

City of Scranton bonds, 5,000 00 

Citizens' Street Railway Company bonds, . 20,000 00 

City of Johnstown, Pa., bonds, . . , 8,500 00 

13 shares Bay Cities Consolidated Railway, . 650 00 

42 " Brigantine Transit Company, . . 2,100 00 

10 " Guarantee Trust & Safe Deposit Co., 1,000 00 

66 " Knickerbocker Ice Company, . . 1,650 00 

40 " Charter National Bank, . . . 4,000 00 



Market Value. 

$15,000 00 

1,800 00 

3,000 00 

2,100 00 

3,540 00 

11,000 00 

20,000 00 

10,150 00 

3,000 00 

20,400 00 

10,300 00 

8,600 00 

65,100 00 

10,300 00 

10,550 00 

44,000 00 

5,500 00 

12,000 00 

8,670 00 

390 00 

840 00 

1,100 00 

3,300 00 

4,000 00 



$268,900 00 $274,640 00 



236 THE GUAKANTORS LIABILITY INDEMNITY CO. OF PA. 



Securities held as collateral for cash loans : — 

Kilbourn Manuf. Company debenture bonds, . 
20 shares Manufacturers' Bank, . . . 
15 shares American News Company, 
Manufacturers' Club bonds, .... 
50 shares West End Trust and Safe Deposit Co., 
People's Passenger Railway Company bonds, 
120 sharesWest End Trust and Safe Deposit Co., 

20 " Wilmington Mills M'f'g Company, . 

20 " Capt'l St'k and Jeffs'n Ice M'f'g Co., 
450 " American Coal Company, 



Deduct excess of loan over market value, 



Market Value. 

$1,260 00 

10,000 00 
2,520 00 
3,000 00 
2,520 00 
6,600 00 
2,000 00 
2,000 00 

10,250 00 

$40,150 00 



Loaned Thereon. 

$557 06 

1,838 24 

v 3,300 00 

2,500 00 

5,400 00 

5,000 00 
1,350 00 
1,500 00 
9,500 00 

$30,945 30 
1,838 24 

$29,107 06 



Summary of Assets Dec. 31, 1894. 

,876 48 



Loans on mortgage of real estate (first liens), 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 
$190,570.69, less $22,154.34 in excess of un- 
earned premiums, ...... 

Gross assets, 

Deduct special deposits in other States, . 

x>aiance, ■ ■ . • ■ • ■ 



274,640 00 
29,107 06 

9,077 76 
51,827 85 

3,057 64 



168,416 35 



$625,003 14 
74,550 00 



$550,453 14 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 8 



Surplus as regards policy-holders, 
Paid-up capital, .... 



$9,965 12 

53,410 00 

168,416 35 

66,699 74 

,491 21 
31,942 06 



266,549 15 

. $283,903 99 
250,000 00 



Surplus over capital, . 



$33,903 99 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 237 



Income. 
Premiums on risks written or renewed, . . $682,144 36 
Premiums now in course of collection, . , 190,570 69 

Net cash premiums received, .... $491,573 67 

Interest received on mortgages, 1,850 00 

Interest and dividends received from all other sources, . . 8,498 07 

Income from all other sources, 1,382 70 

Gross cash income, , $503,304 44 



Expenditures. 

Cash paid for losses, 

Deduct reinsurance, ...... 

Net cash paid for losses, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for legal expenses, .... 
for incidentals, ..... 



$126,367 89 
607 70 



Gross cash expenditures, . 



125,760 19 

237,517 96 

21,968 94 

12,344 32 

14,842 98 

$412,434 39 



Risks and Premiums. 



Risks written during 1894, 

Deduct risks expired and terminated, 



. $31,862,300 00 
. 17,141,010 00 



Premiums. 

£728,988 06 
392,155 35 



In force at end of year, . . . .$14,721,290 00 $336,832 71 
Massachusetts Business (Steam Boiler). 



Risks written, . 
Premiums received, 



$12,000 00 
270-83 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1866. Commenced busineae October, 1866.] 

Paid-up Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

State of Connecticut bonds, .... $100,000 00 $105,000 00 

2,000 00 2,300 00 

10,000 00 10,600 00 

15,000 00 16,200 00 

10,000 00 10,300 00 



United States bonds, . 
Wooster, Ohio, city bonds, 
Toledo, Ohio, city bonds, . 
Columbus, Ohio, city bonds, 



238 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Atchison, Kansas, city bonds, . 

Solomon, Kansas, city bonds, . 

Hutchinson, Kansas, city bonds, 

Cullison, Kansas, city bonds, . 

Kansas City, Kansas, city bonds, 

Coolidge, Kansas, city bonds, . 

Leavenworth, Kansas, city bonds, 

Horton, Kansas, city bonds, 

Evansville, Indiana, city bonds, 

Vincennes, Indiana, city bonds, 

Council Bluffs, Iowa, city bonds, 

Winfield, Kansas, city bonds, . 

Oberlin, Kansas, city bonds, 

Medicine Lodge, Kansas, city bonds 

York, Nebraska, city bonds, 

Columbus, Nebraska, city bonds, 

Trinidad, Colorado, city bonds, 

Gladstone, Michigan, city bonds, 

Gladwin, Michigan, city bonds, 

Albina, Oregon, city bonds, 

Astoria, Oregon, city bonds, 

Rockport, Texas, city bonds, . 

Wheeling, West Virginia, city bonds, 

Huntington, West Virginia, city bonds, 

Charleston, West Virginia, city bonds, 

Richmond, Virginia, city bonds, » 

Roanoke, Virginia, city bonds, 

Fort Worth, Texas, city bonds, 

Dallas, Texas, city bonds, 

Tyler, Texas, city bonds . . » 

Ogden, Utah, city bonds, . 

Olympia, Washington, city bonds, . 

Athens, Georgia, city bonds, , 

Griffin, Georgia, city bonds, 

Abilene, Kansas, Board of Education bonds, 

Anthony, Kansas, Board of Education bonds, 

Nebraska school district bonds, 

Nebraska school district bonds, 

Kansas school district bonds, . 

Kansas school district bonds, 

Colorado school district bonds, 

Maricopa, Arizona, school district bonds, 

Houston, Texas, school district bonds, 

Centreville, Iowa, school district bonds, . 

Second North school district bonds, Hartford, 

Redld's, Lugonia and Crafn U. H. S. Dist. b'd's, 

Mason and Tazewell Drain. Dist., 111., bonds, 

W. C. Special Drainage Dist., 111., bonds, 



Par Value. 

$15,000 00 

5,000 00 
12,000 00 

6,500 00 

7,500 00 
10,000 00 

2,500 00 
12,000 00 
12,000 00 
16,000 00 
10,000 00 
10,000 00 

5,000 00 

5,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

7,000 00 
10,000 00 
19,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
30,000 00 

5,000 00 
10,000 00 
10,000 00 

6,000 00 

5,000 00 
10,000 00 
20,000 00 

6,000 00 

9,000 00 

12,500 00 

500 00 

7,734 50 
11,435 00 

3,967 56 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,200 00 

2,500 00 
10,000 00 



Market Value. 

$15,000 00 

5,250 00 

13,200 00 

6,500 00 

7,500 00 

2,500 00 

2,500 00 

12,600 00 

12,000 00 

16,160 00 

10,500 00 

10,500 00 

5,250 00 

5,250 00 

10,500 00 

10,500 00 

5,250 00 

10,500 00 

7,700 00 

12,500 00 

20,900 00 

10,500 00 

11,200 00 

10,500 00 

20,900 00 

30,000 00 

5,250 00 

10,000 00 

10,300 00 

6,300 00 

5,500 00 

11,000 00 

20,000 00 

6,000 00 

9,000 00 

13,125 00 

500 00 

7,734 50 

11,435 00 

3,967 56 

10,000 00 

10,500 00 

10,000 00 

10,100 00 

10,300 00 

10,404 00 

2,500 00 

10,500 00 



TPIE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 239 



Big Slough Drainage Disk, 111., bonds, 
No. Branch Lake Fork Drain. Dist, 111., bonds 
Arizona Improvement Co. bonds, 
Oxford, Kansas, township bonds, 
Oswego, Kansas, township bonds, 
Jefferson, Kansas, township bonds, 
Reno, Kansas, township bonds, 
Dexter, Kansas, township bonds, 
Haskell, Kansas, township bonds, 
Albion, Nebraska, village bonds, 
Southwestern Irrigation Co., Kansas, bonds, 
Garden City Irrigation Co., Kansas, bonds, 
School Creek Precinct, Clay Co., Neb., bonds 
Sutton Precinct, Clay Co., Nebraska, bonds., 
Lewis Precinct, Clay Co., Nebraska, bonds, 
Pawnee County, Kansas, bonds, 
Dickinson County, Kansas, bonds, , 
Riley County, Kansas, bonds, . 
Lyon County, Iowa, bonds, 
Cascade County, Montana, bonds, . 
Albany County, Wyoming, bonds, . 
Spokane County, Washington, bonds, 
Snohomish County, Washington, bonds, 
Skagit County, Washington, bonds, . 
Travis County, Texas, bonds, . 
Rains County, Texas, bonds, 
Graham County, Arizona, bonds, 
Jefferson Count}', Ohio, bonds. 
Muskingum County, Ohio, bonds, . 
Arapahoe County, Colorado, bonds, 
Milwaukee County, Wisconsin, bonds, 
Marion County, Indiana, bonds, 
Arizona Territory bonds, . 
St. Louis & San Francisco Railway bonds, 
Cincinnati, Dayton & Ironton Railway bonds 
Evansville & Richmond Railway bonds, . 
Dayton & Western Railroad Company bonds 
Mahoning Coal Railroad Company bonds, 
Cin., Jackson & Mackinaw R.R. Co. bonds, 
Chic, Burl. & Quincy R.R. Co. Conv'ble bonds 
Indiana & Lake Michigan Railroad bonds, 
Jamaica & Brooklyn Road Company bonds, 
Kanawha & Michigan Railway Co. bonds, 
Cleve , Cin., Chic. & St. Louis Ry. Co. bonds, 
Terre Haute & Peoria Railroad Co. bonds, 
Chic, Burl. & Quincy R.R. Co mortg. bonds 
Chicago & Western Indiana Railroad bonds, 
Evansville & Indianapolis R.R. Co. bonds, 



Par Value. 

$15,000 00 

9,000 00 

16,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

6,500 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

8,000 00 

11,000 00 

15,000 00 

10,000 00 

10,000 00 

8,000 00 

10,000 00 

10,000 00 

8,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

8,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

14,000 00 

2,200 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

1,000 00 

25,000 00 

5,000 00 



Market Value. 

$15,000 00 

9,630 00 

16,000 00 

10,500 00 

10,000 00 

10,500 00 

15,750 00 

10,500 00 

2,500 00 

7,020 00 

2,500 00 

5,000 00 

5,250 00 

5,250 00 

8,400 00 

11,550 00 

16,500 00 

10,700 00 

5,000 00 

8,800 00 

10,500 00 

10,500 00 

8,400 00 

10,500 00 

10,000 00 

5,250 00 

5,250 00 

10,500 00 

5,100 00 

8,000 00 

22,100 00 

22,025 00 

10,400 00 

5,000 00 

10,000 00 

5,000 00 

16,800 00 

13,000 00 

7,000 00 

2,200 00 

10,000 00 

5,000 00 

8,000 00 

4,750 00 

10,000 00 

1,200 00 

29,000 00 

5,250 00 



240 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



N. Y., N. Hav. & Hart. R.R. Co. deben. bonds 

40 shares City National Bank, 

100 " Hartford National Bank, 

100 " Security Company, . 

100 " American National Bank, 

85 " Farmers 1 and Mechanics' Natl B'k 

43 " ^tna National Bank, 

150 " N. Y., N. Haven & Hart. R.R. Co., 

120 " Chicago, Burl. & Quincy R.R. Co. 

100 " Chic, Mil. & St P. R R. Co. pref ., 

100 " Atch., Top & Santa Fe R.R. Co., 

110 " Chic, Rock Island & Pac R.R. Co. 

100 " Chic & Northwest. R.R. Co. pref. 

50 " Bald Eagle Valley R.R. Co., . 

200 " Northwestern Telegraph Co., . 



Par Value. 

$6,000 00 

4,000 00 

10,000 00 

10,000 00 

5,000 00 

8,500 00 

4,300 00 

15,000 00 

12,000 00 

10,000 00 

10,000 00 

11,000 00 

10,000 00 

2,500 00 

10,000 00 



Market Value. 

$8,220 00 
4,000 00 

15,000 00 

16,000 00 
6,200 00 
9,520 00 
5,805 00 

28,950 00 
8,400 00 

11,700 00 

400 00 

6,710 00 

14,300 00 
5,000 00 

10,200 00 



$1,201,337 06 $1,231,956 06 



Securities held as collateral for cash loans : — 



So. Fork Irrigation and Improve. Co. bonds, 



Market Value. 

$6,000 00 



Loaned Thereon. 

$5,000 00 



Balance, 



Liabilities. 



Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposit, . 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



Summary op Assets Dec. 31, 1894. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, . 
Deduct special deposits in other States, . 



),996 33 

281,020 00 

6,893 53 

1,231,956 06 

5,000 00 

4,709 39 

96,182 42 

23,615 89 

215,881 62 



$1,955,255 24 
27,000 00 

$1,928,255 24 



$25,557 58 

1,216,462 54 

19,508 97 

$1,261,529 09 
13,811 12 



1,247,717 97 



,537 27 
500,000 00 



$180,537 27 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 241 



Income. 

Premiums outstanding Dec. 31, 1893, . . $323,507 49 
Premiums on risks written or renewed, . . 914,213 59 

Total, ...... o . $1,237,721 08 

Premiums now in course of collection, . . 215,88162 

Entire premiums collected, .... $1,021,83946 
Less reinsurance and return premiums, . . 87,811 17 

Net cash premiums received, . 

Interest received on mort£-ao;es, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Gross cash income, .... 



Expenditures. 

Cash paid for losses, ..... 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, 

for incidentals, . , . 

Gross cash expenditures, . 



$934,028 29 

15,510 27 

56,991 90 

1,615 54 



$1,008,146 00 



$65,282 26 
60,000 00 

207,468 35 
29,118 00 
16,926 23 

290,856 58 

124,137 48 



|793,788 90 



Risks and Premiums. 



Risks outstanding Dec 31, 1893, 
Risks written during 1894, 

Total,. . . . . 
Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$232,844,521 00 $2,201,381 78 
102,628,629 00 914,213 59 



$335,473,150 00 
90,604,769 00 



1,115,595 37 
814,636 13 



$244,868,381 00 $2,300,959 24 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . 
Company's stock owned by directors, 



$9,088,602 00 

766,194 00 

71,129 00 

120,700 00 



Massachusetts Business. 

Risks written during the year, ..... 

Received for premiums and inspections, , 

Losses paid, ........ 

Losses incurred, , 



$10,299,573 00 

104,351 00 

1,812 00 

1,700 00 



242 THE lawyers' surety company OF NEW YORK. 



"THE LAWYERS' SURETY COMPANY OF NEW YORK," 

NEW YORK, N. Y„ 

[Incorporated March 30, 1892. Commenced business April 1, 1892.] 
Paid-up Capital, $500,000. 

Joel B. Erhardt, President. Frank Sperry, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York city bonds, $465,455 90 $472,437 74 

United States bonds, . ..... 10,00000 11,70000 

Chesapeake & Ohio Railroad bonds, . . 20,000 00 15,000 00 

Virginia Midland bonds, ..... 15,000 00 14,362 50 



$510,455 90 $513,500 24 

Summary of Assets Dec. 31, 1894. 

Cash value of unencumbered real estate, . $15,920 00 

Stocks and bonds, as per schedule, . . . 513,500 24 

Cash in the office of the company, . . . 585 29 

Cash deposited in bank, 33,326 12 

Premiums in course of collection (gross), . 15,993 12 
Premiums more than 3 months due, $12,206 77 

Gross assets, — $579,324 77 

Liabilities. 

Unearned premiums on outstanding risks, . $50,434 36 

Due and accrued for rent, salaries, etc., . . 3,737 16 

Commissions and brokerage, .... 102 37 

Gross liabilities, except capital, . . . 54,273 89 



Surplus as regards policy-holders, , . . . - . $525,050 88 
Paid-up capital, 500,000 00 



Surplus over capital, , . . . ... . . $25,050 88 

Income. 

Premiums outstanding Dec. 31, 1893, . . $25,313 67 
Same not collected, ...... 11,745 46 



Net collected, ...... $13,568 21 

Premiums on risks written or renewed, . . 131,951 78 

Total, ....... o $145,519 99 

Premiums now in course of collection, , . 25,802 49 



Entire premiums collected, .... $,119,717 50 
Less reinsurance and return premiums, . . 20,483 88 

Net cash premiums received, .... — $99,233 62 

Interest and dividends received from all sources, . . . 15,749 05 



Gross cash income, $114,982 67 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YOEK. 243 



Expenditures. 
Cash paid for losses, $2,080 81 

Deduct salvage and reinsurance, . . . 1,874 38 

Net cash paid for losses, ..... ■ $206 43 

Cash paid for commissions and brokerage, . 4,880 98 

for salaries of officers and employees, . . , 36,791 91 
for State and local taxes, ..... 2,429 50 

for incidentals, 25,268 61 



Gross cash expenditures, ...... $69,577 43 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1893, . . . $12,868,931 00 $82,130 49 
Risks written during 1894, .... 20,788,560 00 131,951 78 



Total, $33,657,491 00 $214,082 27 

Deduct risks expired and terminated, . . 15,719,965 00 113,213 55 



In force at end of year, . $17,937,526 00 $100,868 72 

Miscellaneous. 

Premiums received from organization of company, „ . § 197,581 00 

Losses paid from organization of company, .... 2,080 00 

Company's stock owned by directors, 165,000 00 

Massachusetts Business. 

Risks written during 1894, ....... f 1,480,131 00 

Premiums received, ,•.*■« 4,221 00 



« LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated August, 1882. Commenced business Sept. 4, 1882.] 
Paid-up Capital, $250,000. 

W. T. Woods, President. C. E. W. Chambers, Secretary, 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . ..... f 115,000 00 $131,85625 

Brooklyn & Coney Island Railroad bonds, . 5,000 00 5,100 00 

Toledo & Ohio Central Railroad bonds, . . 10,000 00 11,150 00 

Second Avenue Railroad bonds, . . . 6,000 00 5,300 00 



244 LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 



Brooklyn Cross Town, 

Northern Pacific and Montana Railroad bonds, 

Dominion of Canada bonds, 

Pennsylvania Plate Glass Company bonds, 

Brooklyn City & Newtown Railroad bonds, 

New York Elevated Railroad bonds, 

Kanawha & Michigan bonds, . 

City of Ottawa, Ont., bonds, . 

Dry Dock E. B 1 dw'y & Battery Railroad scrip 

Brooklyn Trust Company stock, 

Brooklyn & New York Ferry Company stock 

Equitable Gas Light Company stock, 

Edison Electric 111. Company stock, 

Brooklyn City Railroad Company stock, . 

Consolidated Gas Company stock, . 



Par Value. 

$5,000 00 

20,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

6,000 00 

4,500 00 

2,500 00 

5,000 00 

10,000 00 

5,700 00 

5,000 00 

5,000 00 



Market Value. 

$5,250 00 
5,700 00 

10,800 00 
1,000 00 
5,431 25 

11,112 50 
7,700 00 
6,390 00 
4,657 50 

10,250 00 
9,750 00 

18,200 00 
6,327 00 
8,400 00 
6,525 00 



$248,700 00 $270,899 50 



SUMMAKY OF ASSETS DEC. 31, 1894. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Bills receivable, ..... 
Premiums more than 3 months due, $3,541 43 

Gross assets, . 
Deduct special deposits in other States, . 

Balance, ...... 



$265,000 00 

270,899 50 

2,805 57 

19,273 66 

66,520 80 

1,678 81 

1,391 20 



. $627,569 54 
17,190 00 

. $610,379 54 



Liabilities. 

Losses claimed and reported, .... $2,548 07 

Unearned premiums on outstanding risks, . 205,078 37 

Due and accrued for rent, salaries, etc., . „ 20,256 83 

Commission and brokerage, .... 17,515 56 

Gross liabilities, except capital, . . $245,398 83 

Deduct liability on special deposits, . , 17,190 00 



Surplus as regards policy-holders, . 
Paid-up capital, 



228,208 83 



$382,170 71 
250,000 00 



Surplus over capital, 



. $132,170 71 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 245 



Income. 
Premiums outstanding Dec. 31, 1893, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total,. ..... 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 



$87,330 78 
10,725 10 



$76,605 68 
437,968 16 

$514,573 84 
70,062 23 

$444,511 61 

37,706 83 



Net cash premiums received, . 

Interest and dividends received from all sources, 

Income from rents, . . . 

Profits on securities sold, . 

Gross cash income, .... 

Expenditures. 
Cash paid for losses, . ■ . 

Deduct salvage and reinsurance, 

Net cash paid for losses, . 
Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, .... 

Kisks and Premiums. 



$190,070 92 
53,529 61 



,804 78 

9,996 89 

11,808 94 

549 85 



$429,160 46 



$136,541 31 
42,500 00 
112,796 94 
43,745 94 
13,028 48 
31,186 05 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$14,857,800 00 
. 14,583,459 00 



$379,798 72 



Premiums. 

$414,748 94 
437,968 16 



. $29,441,259 00 
. 15,029,396 00 



£852,717 10 
444,610 03 



$14,411,863 00 $408,107 07 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



13,611,882 00 

1,575,982 00 

136,233 00 

108,000 00 



246 LONDON GUARANTEE AND ACCIDENT CO., LIMITED. 



Massachusetts Business. 

Risks written during the year, 

Premiums received, ....... 

Losses paid, ........ 

Losses incurred, 



$1,208,283 00 
27,986 00 
12,287 00 
12,335 00 



UNITED STATES BRANCH OF THE "LONDON GUARANTEE AND 
ACCIDENT COMPANY, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 
A. W. Masters, Resident Manager, Chicago, III. 



Detailed Statement 



United States bonds, .... 

N. Y. Central & Hudson River R.R. bonds, 
Pennsylvania Railroad bonds, . 
Illinois Central Railroad bonds, 
Chicago & Northwestern Railroad bonds 
Jersey City bonds, .... 
City of Chicago bonds, 



of Stocks and Bonds. 

Par Value. 

$200,000 00 
22,500 00 
21,412 60 
24,332 50 
25,000 00 
25,000 00 
25,000 00 



Market Value. 

$227,000 00 
22,950 00 
28,264 63 
24,332 50 
30,250 00 
27,000 00 
26,250 00 



$343,245 10 f386,047 13 



Summary of Assets Dec. 31, 1894. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest clue and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $2,591 56 
Gross assets, . . . . . . 

Unadmitted. 
Cash in office (not in control of trustees), 

Balance, . . . . 



$386,047 13 

102 85 

24,829 69 

1,655 30 

105,505 91 



$518,140 88 



102 85 



$518,038 03 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$36,929 99 

5,420 00 

194,093 35 

27,213 00 



263,656 34 

$254,381 69 

200,000 00 

$54,381 69 






LONDON GUARANTEE AND ACCIDENT CO., LIMITED. 247 



Income. 

Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 



,181 73 
488,351 01 



Total, $595,532 74 

Premiums now in course of collection, . . 108,097 47 



Entire premiums collected, 

Less reinsurance and return premiums, . 



$5487,435 27 
93,228 31 



Net cash premiums received, 

Interest and dividends received from all sources, . 

Gross cash income, ...... 



$394,206 96 
12,468 37 



$406,675 33 



Expenditures. 
Cash paid for losses, ..... 

for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidental expenses, . 

Gross cash expenditures, .... 



$110,969 86 

125,840 19 

16,516 04 

4,357 08 

28,937 47 

$286,620 64 



Risks and Premiums. 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$26,795,325 00 $219,795 07 
56,858,700 00 488,351 01 



$83,654,025 00 $708,146 08 
36,768,875 00 319,959 39 



$46,885,150 00 $388,186 69 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, , 



$614,918 00 

118,561 00 

97,201 00 



Massachusetts Business (Accident). 
Risks written, . . . . . . . . . $11,068,000 00 

Premiums received, .......... 54,724 00 

Losses paid, 4,536 00 

Losses incurred, 4,536 00 



248 



MASSACHUSETTS TITLE INSURANCE COMPANY. 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid-up Capital, $300,000. 

Arnold A. Rand,* 

Vice-President and Manager. 

Office 23 Milk Street. 



J. Thomas Baldwin, 

Clerk and Treasurer. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, . i 
Stocks and bonds, ..... 
Cash in the office of the company, . 
Cash deposited in bank, ...» 
Premiums in course of collection, . 

Plant of company, 

Personal security, 

Gross assets, 



31, 1894, 

$832 27 

109,313 24 

1,324 17 

4,550 00 

1,152 11 

15,326 86 

6,709 93 

182,500 00 

516 10 



$322,224 68 



Liabilities. 



Due for borrowed money, 
Trust funds, . . 



Gross liabilities, except capital, 

Income. 
Cash premiums received, .,...' 
Interest and dividends received from all sources, 
Income from conveyancing, .... 
Income from all other sources, . . 

Gross cash income, . . . 



$7,500 00 
3,508 13 



$11,008 13 



$26,864 80 

5,651 65 

13,019 70 

1,512 65 

$47,048 80 



Expenditures. 

Cash paid for losses, . 

for commissions and brokerage, 

for salaries of officers and emploj'ees, . 

for State and local taxes, .... 

for rent, ........ 

for incidentals, v. 
Borrowed money repaid, . .... $1,000 00 

Gross cash expenditures, . ■ 



$22,867 58 

540 75 

32,759 07 

560 46 

4,700 00 

5,434 62 



,862 48 



* Resigned; Hales W. Suter elected President, Feb. 13, 1895. 



THE METROPOLITAN PLATE GLASS INS. CO. OF NEW YORK. 249 



"THE METROPOLITAN PLATE GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 
Paid-up Capital, $100,000. . 



Henry Harteau, President. 



Eugene H. Winslow, Secretary. 



Detailed Statement op Stocks 



United States bonds, . . . 
Brooklyn & Newtown Railroad bonds, 
Union Ferry Company bonds, . 
Fifth Avenue National Bank stock, . 
Hamilton National Bank stock, 
Brooklyn National Bank stock, 
Kings County Trust Company stock, 
Long Island Safe Deposit Company stock, 
Western Union Telegraph Company stock, 
Brooklyn City Railroad Company stock, . 
Municipal Electric Light Company stock, 
American District Tel. Company stock, . 



and Bonds. 

Par Value. 

$ 100,000 00 

10,000 00 

10,000 00 

2,000 00 

2,500 00 

8,900 00 

2,000 00 

2,500 00 

10,000 CO 

5,000 00 

3,560 00 

2,500 00 



Market Value. 

$114,500 00 

10,900 00 

10,400 00 

2,900 00 

3,625 00 

17,355 00 

5,200 00 

2,500 00 

8,700 00 

8,400 00 

6,230 00 

1,125 00 



$158,960 00 $191,835 00 



Summary of Assets Dec. 31, 1894 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, ... 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Bills receivable, ..... 

Plate-glass on hand, 

Premiums more than 3 months due, $4,059 13 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . . , , 



$150,000 00 

191,835 00 

1,380 58 

43,448 31 

572 26 

34,141 77 

1,022 83 

1,066 86 



$423,467 61 



$3,500 00 

132,310 39 

3,517 18 

9,550 23 



148,877 80 



$274,589 81 
100,000 00 



$174,589 81 



250 THE METROPOLITAN PLATE GLASS INS. CO. OF NEW YORK. 



Income. 

Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Interest and dividends received from all sources, 

Income from rents, ...... 



L,453 54 
294,356 43 



$328,809 97 
38,200 90 



$290,609 07 
34,990 71 



Gross cash income, 



$255,618 36 
7,304 40 
2,940 42 



$265,863 18 



Expenditures. 

Cash paid for losses, . . . . 

Deduct salvage and reinsurance, 

Net cash paid for losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for expense on real estate, 

Gross cash expenditures, .... 



$91,892 08 
1,837 77 



$90,054 31 

16,000 00 

80,174 79 

39,613 23 

3,480 03 

2,523 85 



. $231,846 21 



Risks and Premiums. 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$8,783,257 00 
10,306,184 00 



. $19,089,441 00 
. 10,076,889 00 



Premiums. 

$248,000 39 
294,356 43 



$542,356 82 
277,736 05 



1,012,552 00 $264,620 77 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 

Massachusetts Business. 

Risks written during the year, 

Premiums received, ....... 

Losses paid, . 

Losses incurred, ► . » . * • r • . « • 



1,636,231 00 

995,390 00 

92,054 00 

42,600 00 



$991,033 00 

24,413 00 

7,843 00 

7,843 00 



MUTUAL BOILER INSURANCE COMPANY. 



251 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April, 1877. Commenced business June, 1877.] 

J. Howard Nichols, President. D. W. Lane, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Fitchburg Railroad bonds, . $3,000 00 

Maine Central. Railroad bonds, . . . 2,000 00 

Chicago, Burlington & Northern R.R. bonds, . 2,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 1,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 3,000 00 



Summary of Assets Dec. 31, 1894. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Mileage tickets, ...... 

Gross assets, ..... 

Liabilities, 

Unearned premiums on outstanding risks, 
State and local taxes, «. 



|10,800 00 

28 70 

4,619 24 

115 00 

216 17 

96 00 



!,365 50 
32 41 



Gross liabilities, 

Surplus as regards policy-holders, . 

Income. 
Net cash premiums received, .... 
Interest and dividends received from all sources, 
Special inspections, 



Gross cash income, 

Expenditures. 

Cash paid for losses, 

as profit on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidental expenses, . 

Gross cash expenditures,. . -. . t ( 



Market Value. 

|3,000 00 

2,120 00 

2,070 00 

635 00 

2,975 00 



$ 11,000 00 $10,800 00 



$15,875 11 



6,397 91 



1,477 20 



$12,879 


78 


512 


75 


64 00 


$13,456 53 


$12 


80 


4,090 53 


267 


58 


4,600 


25 


124 84 


2,176 


37 


$11,272 37 



252 THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY. 



Risks and Premiums. 

Amount. Cash Prem's. Cont. Prem's. 

Risks outstanding Dec. 31,1893, $1,807,600 00 $10,59141 $105,914 10 

Risks written during 1894, . 2,211,900 00 12,502 93 125,029 30 

Total,. . . . . $4,019,500 00 $23,094 34 $230,943 40 

Deduct risks expired and term., 1,775,700 00 10,363 33 103,633 30 

In force at end of year, . $2,243,800 00 $12,731 01 $127,310 10 

Miscellaneous. 

Losses incurred during the year, § 12 80 

Massachusetts Business. 

Risks written, . . • . . $1,405,400 00 

Premiums received, 7,954 00 

Losses paid, 13 00 

Losses incurred, 13 00 



"THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated April 2, 1868. Commenced business Sept. 15, 1868.] 

Paid-up Capital, $100,000. 

Samuel C. Hoagland, President. Byron G. Hager, Secretary. 

Summary of Assets Dec. 31, 1894. 

Loans on mortgage of real estate (first liens), $113,645 00 
Interest due or accrued thereon, 
Cash in the office of the compiany, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, . , 27,449 40 



1,280 44 




2,305 47 




. 9,792 27 




8,817 24 




• ■ — — * — — — 


$135,840 42 


$159 97 




205 00 




24,679 53 




24 25 




2,380 65 





Surplus as regards policy-holders, ..... $108,391 02 
Paid-up capital, 100,000 00 

Surplus over capital, . ,, M , , . , . $8,39102 



THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY. 253 



Income. 

Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 

Gross cash income, . 



Expenditures, 
Cash paid for losses, . . 
Deduct salvage and reinsurance, 

Net cash paid for losses, . . . 
Cash dividends paid, . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, ,.,.... 

Risks and Premiums. 

Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 



$6,147 60 
44,548 21 

$50,695 81 
8,817 24 

$41,878 57 
1,975 51 



. 


. 


$39,903 06 


. 


• 
• 


5,728 10 


• • 


$45,631 16 


$18,192 44 




3,747 


56 


$14,444 88 
6,000 00 


• c 


, 


e • 


. 


12,732 20 


• • 


• 


5,329 50 
641 44 


. i . 


t 


5,220 27 


• • 


• 


$44,368 29 

Premiums. 


1,441,878 


00 


$51,604 85 


1,488,394 00 


44,548 21 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$2,930,272 00 
1,194,545 00 



$96,153 06 

42,022 44 



$1,735,727 00 $54,130 62 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . 
Company's stock owned by directors, 



Massachusetts Business. 



Risks written, . 
Premiums received, . 
Losses paid, 
Losses incurred, 



$425,816 00 

149,135 00 

14,415 00 

81,010 00 



$197,014 00 
4,973 00 
1,320 00 
1,320 00 



254 



THE NEW YORK PLATE-GLASS INSURANCE COMPANY. 



"THE NEW YORK PLATE-GLASS INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated March 19, 1891. Commenced business March 19, 1891.] 

Paid-up Capital, $100,000. 

Max Danziger, President. Major A. White, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 $114,500 00 

New York, Ontario & Western R.R. bonds, . 10,000 00 11,150 00 

Chicago, Rock Island & Pacific R.R. bonds, . 10,000 00 10,450 00 

Seattle, Lake Shore & Eastern Railroad bonds, 5,000 00 2,250 00 

Northern Pacific Terminal bonds, . . . 10,000 00 10,000 00 

Chicago, Burlington & Quincy R.R, bonds, . 10,000 00 12,400 00 

Laclede Gas Light bonds, . . . . 10,000 00 9,250 00 

Edison Electric Illuminating Co. bonds, . . 10,000 00 10,800 00 

New York, Susquehanna & WiPsburg bonds, . 5,000 00 5,500 00 

Chicago, Milwaukee & St. Paul stock, . . 10,000 00 11,800 00 

Central Park, North & East River R.R. stock,. 1,800 00 2,970 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $2,933 22 



$181,800 00 $201,070 00 



31, 1894. 

$201,070 00 

1,977 14 

7,422 50 

27,001 82 



Gross assets, $237,47146 



Liabilities. 

Losses adjusted, unpaid, , 

Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums, ..... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capita^ 

Surplus over capital, .-.».*. 



$2,181 38 
93,682 23 

421 92 
8,100 55 

468 78 



104,854 86 

$132,616 60 

100,000 00 

$32,616 60 



THE NEW YOEK PLATE-GLASS INSURANCE COMPANY. 



255 



Income. 

Premiums outstanding Dec. 31, 1893, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 



Net cash premiums received, . 
Interest and dividends received from all 



Gross cash income, 



$33,909 70 
222 24 

$33,687 46 
226,927 64 



$260,615 10 
29,935 04 



$230,680 06 
45,760 71 



sources, 



$184,919 35 
6,944 75 



$191,864 10 



Expenditures, 

Cash paid for losses, 

Deduct salvage and reinsurance, 
Net cash paid for losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidental expenses, . 

Gross cash expenditures, .... 



$58,905 34 
1,020 90 



,884 44 

55,042 74 

25,298 07 

4,600 09 

13,359 05 



$156,184 39 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1893, . . $6,936,855 00 $179,270 09 

. 8,180,591 00 226,927 64 



Risks written during 1894, 

Total, . 
Deduct risks expired and terminated, 

In force at end of year, 



,117,446 00 
8,412,742 00 



,197 73 
216,533 68 



1,704,704 00 $189,664 05 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . 
Company's stock owned by directors, 



$562,281 00 

169,954 00 

57,033 00 

41,850 00 



Massachusetts Business. 



Risks written, . 
Premiums received, 
Losses paid, 
Losses incurred, 



$456,027 00 

10,744 00 

3,697 00 

3,628 00 



256 THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 



"THE STANDARD LIFE AND ACCIDENT INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1884.] 

Paid-up Capital, $200,000. 

D. M. Ferry, President. Stewart Marks, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Muskegon city bonds, .... f 10,000 00 $10,000 00 

Santa Fe, Prescott & Phoenix Railroad bonds 
Plymouth water bonds, .... 

Sioux city bonds, 

Nashville trunk sewer bonds, . 
Menominse school bonds, .... 



20,000 00 17,000 00 

25,000 00 25,000 00 

20,000 00 20,000 00 

75,000 00 75,000 00 

10,000 00 10,000 00 



$160,000 00 $157,000 00 

Summary of Assets Dec. 31, 1894. 

Cash value of unencumbered real estate, . $7,000 00 

Loans on mortgage of real estate (first liens*), 360,416 23 

Interest due or accrued thereon, . . . 14,199 79 

Stocks and bonds, as per schedule, . . . 157,000 00 

Cash in the office of the company, . . . 8,994 49 

Cash deposited in bank, . 45,788 53 

Interest due and accrued, ..... 2,527 08 

Premiums in course of collection (gross), . 233,736 27 
Bills receivable, . . . . f 46 97 
Reserve on business reinsured in for- 
eign companies, .... 7,547 64 

Gross assets, ...... _— _ $829,662 39 

Liabilities. 

Losses claimed and reported, .... $17,738 86 

Lo»ses disputed or resisted, .... 74,974 90 

Unearned premiums on outstanding risks, . 425,938 10 

Commissions and brokerage, .... 57,244 85 

Gross liabilities, except capital, , „ ■ 575,896 71 



Surplus as regards policy-holders, ..... $253,765 68 
Paid-up capital,. ......... 200,00000 



Surplus over capital, , $53,765 68 

* Value of lands mortgaged, $929,325 00 



THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 257 



Income. 
Premiums outstanding Dec. 31, 1893, 
Same not collected, 

Net collected, ..... 
Premiums on risks written or renewed, . 

Total, ....... 

Premiums now in course of collection, . 



$227,457 76 
67,911 12 



$159,546 64 
1,111,414 14 

^1,270,960 78 
233,736 27 



Entire premiums collected, .... $1,037,224 51 
Less reinsurance and return premiums, . . 133,264 02 

Net cash premiums received, . . . • $ 903,960. 49 

Interest and dividends received from all sources, . . , 27,111 40 

Income from all other sources, . , , . . , 1,116 39 

Gross cash income, ........ $932,188 28 

Expenditures. 
Cash paid for losses, ...... 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, .... 

for rent and incidental expenses, 

Gross cash expenditures, . $877,575 94 

Risks and Premiums. 



,550 51 

6,000 00 

224,333 11 

121,652 86 

26,676 75 

69,362 71 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total,. . . 
Deduct risks expired and terminated, 

In force at end of year, . , 



$101,568,216 00 
144,135,113 00 

$245,703,329 00 
136,290,699 00 



Premiums. 

$779,187 74 
1,111,414 14 

$1,890,601 88 
1,038,725 68 



$109,412,630 00 $851,876 20 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . . 
Company's stock owned by directors, .... 

Massachusetts Business (Accident). 

Risks written, 

Premiums received, , 

Losses paid, . , . . 

Losses incurred, .«.,..,. 



^5,140,565 00 

2,436,884 00 

429,550 00 

138,000 00 



1,915,980 00 

29,505 00 
5,460 00 
5,460 00 



258 



THE TEAVELERS INSURANCE COMPANY. 



" THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[accident department.] 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 
Paid-up Capital, $1,000,000. 

James G. Batterson, President. Rodney Dennis, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Arizona Territorial warrants, .... $6,741 94 $6,910 48 

Washington State warrants, .... 10,032 00 10,032 00 

Tennessee State bonds, settlement, . . . 23,700 00 19,671 00 

Johnson County, 111., bonds, . . . . ' 14,000 00 14,000 00 

Wayne County, 111., bonds, . . . . . , 17,000 00 17,000 00 

White County, 111., bonds, .... 8,500 00 8,500 00 

Hamblen County, Tenn., bonds, . . . 25,000 00 25,000 00 

Llano County, Tex., bonds, .... 62,500 00 63,125 00 

Montrose County, Col., bonds, .... 5,200 00 5,200 00 

Mesa County, Col., bonds, ..... 7,000 00 7,000 00 

Rio Arriba County, N. M , bonds, . . . 2,200 00 2,200 00 

Union County, Ore., warrants, . . . . 9,762 06 9,762 06 

School Dist. No. 84, Cass County, Dak., bonds, 579 98 579 98 

School Dist. No. 7, Cass County, Dak , bonds, . 23,000 00 23,000 00 

School Dist. No. 1, Montrose Co., Col., bonds, . 4,500 00 4,500 00 

Reidsville, N. C, town bonds, .... 25,000 00 25,000 00 

Howard Township, Kan., bonds, . . . 24,000 00 24,000 00 

Paw Paw Township, Kan., bonds, . . . 8,000 00 8,000 00 

Parsons, Kan., city bonds, 20,000 00 20,000 00 

Lima, Ohio, city bonds, 16,000 00 16,000 00 

Richmond, Va., city bonds, .... 54,000 00 53,100 00 

Salisbury, N. C, city bonds, . . . . 45,000 00 45,000 00 

Bastrop, Tex., city bonds, .... 15,000 00 15,525 00 

Houston, Tex., city bonds, . . , . , . 40,000 00 40,000 00 

Dalton, Ga., city bonds, 17,500 00 17,675 00 

Tacoma, Wash., city warrants, . . . . 16,500 00 16,500 00 

Spokane, Wash., city warrants, . . . 40,919 41 40,919 41 

Chicago, Burlington & Quincy R.R. bonds, . 27,000 00 29,380 00 

Columbus & Western Railroad bonds, . . 50,000 00 55,500 00 

Montana Central Railroad bonds, „ . . . 50,000 00 57,500 00 

Chicago & Northwestern Railroad bonds, . 50,000 00 54,500 00 

Cleveland, Ohio, Electric Railroad bonds, . 20,000 00 20,000 00 

N. Y., N. H. & Hart. R R,. Co. con. deb. cer., . 50,000 00 67,500 00 

1,200 shares Chic , Burl. & Quincy R R. Co., . . 120,000 00 85,800 00 

400 " Illinois Central R.R. Company, . 40,000 00 33,400 00 

4,813 " Pennsylvania Railroad Company, 240,650 00 245,463 00 



THE TRAVELERS INSURANCE COMPANY. 



259 



200 shares Union Pacific Railroad Company, 

2,000 » Chicago, Mil. & St. Paul R.R. Co., 

200 " Chic. & Northwestern R.R. Co., . 

266 " Chicago & Alton Railroad Co., . 

100 " Illinois Central R.R. Company, . 

500 " Central Railroad Co. of N. J., . 

268 " Far. and Mech. Nat B'k, Hartford, 

700 " American Nat. B'k, Hartford, Ct., 

491 " City Nat. Bank, Hartford, Ct., . 

817 " Phoenix Nat. B'k, Hartford, Ct., . 

348 " iEtna Nat. Bank, Hartford, Ct., . 

200 " Mer. Nat. Bank, Hartford, Ct., . 

140 " New Britain Nat. B'k, N. Britain, 

400 " Home Nat Bank, Meriden, Ct., . 

50 " Meriden Nat. B'k, Meriden, Ct., . 

50 " First Nat. Bank, Meriden, Ct., . 

100 " National B'k of Commerce, N. Y., 

730 " Nat. Shoe & Leather Bank, N. Y., 

100 " St. Paul Nat. B'k, St. Paul, Minn., 

173 " First National B'k Morris, Minn., 

500 " Hartford Trust Co., Hartford, Ct., 

2,000 " Western Union Telegraph Co., . 

1,200 " Northwestern Telegraph Co., 

2,142 " Colorado Valley (Col.) Land Co., 



Par Value. 

$20,000 00 

200,000 00 
20,000 00 
26,600 00 
10,000 00 
50,000 00 
26,800 00 
35,000 00 
49,100 00 
81,700 00 
34,800 00 
20,000 00 
14,000 00 
40,000 00 
5,000 00 
5,000 00 
10,000 00 
73,000 00 
10,000 00 
17,300 00 
50,000 00 

200,000 00 
60,000 00 

214,200 00 



Market Value. 

$2,325 00 

192,300 00 
28,500 00 
38,836 00 
9,200 00 
44,500 00 
29,480 00 
42,000 00 
49,100 00 

100,491 00 
45,240 00 
15,000 00 
21,000 00 
48,000 00 
6,250 00 
6,000 00 
18,000 00 
65,700 00 
11,000 00 
15,570 00 
70,000 00 

174,000 00 
62,700 00 

214,200 00 



1,461,785 39 $2,496,634 93 



Summary of Assets Dec. 31, 1894. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest accrued, 
Gross assets, 



5,479 20 

2,496,634 93 

1,379 Q5 

251,508 56 

13,212 26 



>,791,214 60 



Liabilities. 

Special reserve for contingent liabilities, 
Losses claimed and reported, . 
Losses disputed or resisted, . . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$321,657 50 

99,661 72 

103,650 00 

1,031,405 44 
10,000 00 



1,566,374 6Q 

U ,224,839 94 
1,000,000 00 



Surplus over capital, . 



. ' $224,839 94 



260 



THE TRAVELERS INSURANCE COMPANY. 



Income. 

Entire premiums collected during the year, . $2,243,065 89 
Less reinsurance and return premiums, . . 2,566 07 

Net cash premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, , , 

Gross cash income, .,...,.. 



$2,240,499 82 

131,586 29 

132 06 

|2,372,218 17 



Expenditures. 
Cash paid for losses, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidental expenses, . 

for profit and loss, .... 

Gross cash expenditures, .... 



.,106,696 66 
589,400 22 
174,275 16 
46,592 08 
207,536 12 
123,553 36 

J,248,053 60 



Risks outstanding Dec. 31, 1893, 
Risks written during 1894, 



Risks and Premiums. 

Premiums. 

$250,264,712 00 $1,802,986 36 
332,814,998 00 2,243,065 89 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$583,079,710 00 $4,046,052 25 
321,461,484 00 2,398,929 49 



$261,618,226 00 $1,647,122 76 
952,500 00 2,566 07 



$260,665,726 00 $1,644,556 69 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . 
Company's stock owned by directors, 



$40,103,293 00 

. 17,211,965 00 

. 1,450,707 00 

90,600 00 



Massachusetts Business (Accident). 

Risks written, 

Premiums received, ........ 

Losses paid, 

Losses incurred, ........ 



,481,225 00 

255,620 00 

129,442 00 

133,398 00 



UNION CASUALTY AND SURETY COMPANY. 



261 



"UNION" CASUALTY AND SURETY COMPANY," ST. LOUIS, MO. 

[Incorporated Dec. 29, 1892. Commenced business April 18, 1893.] 

Paid-up Capital, $250,000. 

C. P. Ellerbe, President. O. K. Clardy, Secretary. 



Detailed Statement of Stocks and Bonds. 



St. Louis Agri. & Mechan. Asso'n bonds, 
Laclede Building' Co. 1st mortgage bonds, 
Laclede Gas Light Co. 1st mortgage bonds, 
St. Louis city bonds, .... 



Par Value. 

$15,000 00 

7,000 00 

11,000 00 

250,000 00 



Market Value. 

$15,300 00 

7,000 00 

10,450 00 

252,500 00 



$283,000 00 $285,250 00 



Securities held as collateral for cash loans : — 
385 shares Mississippi Valley Trust Co., . 



Market Value. Loaned Thereon. 

$31,955 00 $25,000 00 



Summary of Assets Dec. 31, 1894. 

Loans on mortgage of real estate (first liens), $172,000 00 

Stocks and bonds, as per schedule, . . . 285,250 00 

Loans on collateral security, as per schedule, . 25,000 00 

Cash in the office of the company, . . . 17,704 67 

Cash deposited in bank, 10,743 93 

Interest due and accrued, 2,237 47 

Premiums in course of collection (gross), . 264,967 30 

Gross assets, ...... 



$777,903 37 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

All other, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



5,726 65 

763 87 

344,118 35 

87,306 72 

513 52 



471,429 11 



$306,474 26 
250,000 00 



Surplus over capital, . 



56,474 26 



262 



UNION CASUALTY AND SURETY COMPANY. 



Income. 

Premiums outstanding Dec. 31, 1893, . . $135,637 36 
Premiums on risks written or renewed, . . 830,891 78 



Total, $966,529 14 

Premiums now in course of collection, . . 264,967 30 



Entire premiums collected, .... $701,561 84 
Less reinsurance and return premiums, . . 132,795 79 

Net cash premiums received, . . . — — 

Interest and dividends received from all sources, . 



$568,766 05 
18,551 36 



Gross cash income, . 



. $587,317 41 



Expenditures. 
Cash paid for losses, ..... 

for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$213,512 50 

179,982 34 

32,835 26 

12,423 20 

64,318 06 



$503,071 36 



Risks and Premiums. 

Premiums. 

Bisks outstanding Dec. 31, 1893, . . $46,292,991 55 $298,762 86 

Risks written during 1894, . . . 102,474,470 77 828,163 24 



Total,. . . . 
Deduct risks expired and terminated, 

In force at end of year, 



$148,767,462 32 $1,126,926 10 
70,172,389 09 438,689 39 



8,595,073 23 $688,236 71 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



.,291,052 00 

221,861 00 

253,002 00 

78,000 00 



Massachusetts Business (Accident). 

Risks written, . 

Premiums received, . . . . . ... 

Losses paid, 

Losses incurred, . . , . . . 



$12,860,642 00 
77,021 00 
15,059 00 
24,626 00 



UNITED STATES GUARANTEE COMPANY. 



263 



"UNITED STATES GUARANTEE COMPANY," NEW YORK. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890.] 
Paid-up Capital, $250,000. 

Edward Rawlings, President. D. J. Tompkins, Secretary. 

Detailed Statement of Stocks and Bonds. 



United States bonds, . 

New York city bonds, . 

Brooklyn city bonds, 

Western Union Telegraph Company stock, 
New York, Lackawanna & Western R.R. stock, 
St. Paul, M. & M. Railway stock, . 



Par Value. 

$93,000 00 
100,000 00 
15,000 00 
32,000 00 
10,000 00 
10,000 00 



Market Value. 

$101,580 00 
93,000 00 
14,400 00 
27,840 00 
11,600 00 
11,100 00 



f260,000 00 $259,520 00 



Summary of Assets Dec. 31, 1894. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, ..... 



$2,060 00 

63,000 00 

259,520 00 

1,693 13 

19,707 51 

2,997 60 

10,225 87 



$359,204 11 



Liabilities. 



Losses claimed and reported, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance, etc , 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, . .- . . 



Surplus over capital, . 



,594 89 
2,500 00 



$18,094 89 

42,246 23 

1,861 66 

1,357 08 



63,559 86 

$295,644 25 
250,000 00 

$45,644 25 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance beld as collateral, 



$70,000 00 
80,000 00 
55,000 00 



264 



UNITED STATES GUARANTEE COMPANY . 



Income. 

Premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 

Total,. ...... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 

Gross cash income, .... 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidental expenses, 

Gross cash expenditures, . . , 



$11,489 50 
107,620 73 

$119,110 23 
10,225 87 

f 108,884 36 
26,013 12 



sources, 



$27,824 29 
10,909 10 



,871 24 
2,520 00 
9,657 19 

$95,048 43 



$16,915 19 
15,000 00 
11,819 71 
13,715 81 
1,892 50 
12,185 86 

$71,529 07 



Risks and Premiums. 



Bisks outstanding Dec. 31, 1893, 
Risks written during 1894, 

Total, . . • ... 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . , 



.$18,115,882 00 
. 21,798,872 00 



Premiums. 

$91,382 65 
107,620 73 



. $39,914,754 00 $199,003 38 
. 21,356,245 00 104,463 02 



.$18,558,509 00 
. 2,334,650 00 



.$16,223,859 00 



$94,540 36 
11,547 90 

,992 46 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, ..... 
Company's stock owned by directors, .... 

Massachusetts Business (Surety), 

Risks written, 

Premiums received, ........ 

Losses paid, ......... 

Losses incurred, , . . . . . . . . , 



5381,194 00 

130,072 00 

29,437 00 

49,400 00 



15,900 00 

3,293 00 

10 00 

10 00 



ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



Abstracts of Statements Dec. 31, 1894. 



SUMMARY OF STATEMENTS RECEIVED, 



ATLAS ACCIDENT INSURANCE COMPANY, BOSTON. 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

Henry E. Turner, President. Thomas M. Everett, Secretary. 

Office, 186 Devonshire Street. 



Income during 1894. 



For membership fees, . . . 


. 


. 


$12,986 00 


assessments, mortuary, $22,147.43 ; expense, $20,646.96, 


42,794 39 








200 00 


Total income, 


$55,980 39 


Balance on hand Dec. 31, 1893, 




' 


19,618 55 




$75,598 94 


Disbursements during 1894. 






For losses and claims, .... 


$16,857 


QQ 




advance payments applied, 


1,819 


37 




salaries and commissions to agents, . 


18,890 


68 




salaries of officers and employees, . 


8,770 


27 




medical examiners' fees, . 


769 


27 




rent, taxes, advertising and printing, 


3,534 


26 




legal expenses, . . 


946 


60 




borrowed money, repaid, . 


6,149 


97 




advances to agents, .... 


553 


30 




incidental expenses, .... 


5,952 


02 




Total disbursements, .... 






64,273 40 


• 


• 


Balance, 


$11,325 54 


Net or Invested Aj 


3SETS. 






Cost value of bonds and stocks owned, . 


, . 


, 


$5,100 00 








1,793 41 


Cash in bank, 


< • 


. 


4,432 13 



Total net or invested assets, 



$11,325 54 



268 ATLAS ACCIDENT INSURANCE COMPANY. 



Non-invested Assets. 

Market value of bonds and stocks over cost, .... $150 00 

Office furniture, $727 31 

Gross assets, $11,475 54 



Liabilities. 
Advance assessments, 3,075 20 



Balance, net assets, ........ $8,400 34 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $3,438 65 

not yet called for losses unadjusted, 1,619 99 
resisted, $5,940 ; and reported, 

$612 6,552 00 

Total due from members, .... — $11,610 64 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (9), . . $1,619 99 

reported, not in process (10), . . 612 00 

resisted (5), 5,940 00 

Total contingent mortuary liabilities, . — $8,171 99 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . 3,050 $13,082,750 00 1,839 $8,150,500 00 

Written during the year, . 2,658 11,502,000 00 1,258 5,810,500 00 



Total, .... 5,708 $24,584,750 00 3,097 $13,961,000 00 
Ceased during the year, . . 2,340 9,424,750 00 1,003 4,212,500 00 



In force December 31, . . 3,368 $15,160,000 00 2,094 $9,748,500 00 

Claims incurred during the year, 332 $25,029 65 158 $10,580 64 

Claims paid during the year, . 308 16,857 66 158 10,580 64 



Claims unpaid December 31, . 24 $8,171 99 



THE BANKERS LIFE ASSOCIATION OF MINNESOTA. 



269 



"THE BANKERS LIFE ASSOCIATION OF MINNESOTA," ST. PAUL, 

MINN. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1880.] 

Cortlandt M. Taylor, President. Douglas Putnam, Secretary. 

Income during 1894. 



For membership fees, 
annual clues, 
assessments, mortuary, 
interest, .... 

From guaranty trust fund notes, 

From all other sources, 

Total income, 
Balance on hand Dec. 31, 1893, 

Total, 



130,148 50 
69,873 14 

231,753 64 

16,771 20 

82,298 95 

49 92 

$430,895 35 
428,297 84 

$859,193 19 



Disbursements during 

For losses and claims, , 

guaranty deposits returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners' fees, . 
legal expenses, . 
incidental expenses, . 
Total disbursements, . 



1894. 

$233,000 00 

1,813 00 

46,414 47 

22,803 10 

4,219 00 

1,070 29 

16,275 46 



325,595 32 



Balance, $533,597 87 



Net or Invested Assets. 
Loans secured by pledge of bonds, stocks, etc., 
Cost value of bonds and stocks owned, 
Cash in office, .... 
Cash in bank, .... 



Total net or invested assets, 
Less depreciation, 



Total net or invested assets, 



$27,700 00 

413,927 46 

1,143 25 

90,827 16 

$533,597 87 
18,427 46 

$515,170 41 



Non-invested Assets. 



Interest accrued, 
Guaranty trust fund notes, 

1}otal non-invested assets, . 

Gross assets, , , , 



$658 61 
103,922 50 



104,581 11 



,751 52 



270 BANKERS LIFE INS. CO. OF THE CITY OF NEW YORK. 



Contingent Mortuary Assets (or Resources). 



Assessment called and not yet due, . 

not yet called for losses unadjusted, 
resisted, $6,000 ; and reported 
$13,000, .... 

Total due from members, . 
Deduct estimated cost of collection, . 
Net amount due from members, 



,146 72 
8,000 00 



19,000 00 



,146 72 
851 46 



,295 26 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (4), . . $8,000 00 

reported, not in process (7),. . . 13,000 00 

resisted (3), 6,000 00 

Total contingent mortuary liabilities, . 



$27,000 00 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1 , 
Written during the year, 


3 ye 

jar, 
31, 


. 11,839 
. 2,175 


$23,678,000 00 
4,344,000 00 


85 
1 


$170,000 00 
2,000 00 


Total, 
Ceased during the year, . 


. 14,014 
. 2,271 


$28,022,000 00 
4,536,000 00 


86 
3 

83 

1 

1 
1 


$172,000 00 
6,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during th< 


. 11,743 

17 

ar, 115 


$23,486,000 00 

$34,000 00 
229,000 00 


$166,000 00 
$2,000 00 


Total, 
Claims paid during the yc 


. 132 

. 118 


$263,000 00 
236,000 00 


$2,000 00 
2,000 GO 


Claims unpaid December 


14 


$27,000 00 


- 



"BANKERS LIFE INSURANCE COMPANY OF THE CITY OF NEW 

YORK," NEW YORK, N. Y. 

[Incorporated March 19, 1869. Commenced business March 24, 1869.] 

Richard Morgan, President. Franklin C. Elder, Secretary. 



Income during 1894. 

For assessments, mortuary, $23,504.04 ; expense, $37,961.96, 

For interest, 

From all other sources, . 

Total income, . . . 
Balance on hand Dec. 31, 1893, 

Total, . \ \ \ 



51,466 00 
5,144 53 

2,542 50 



),153 03 
118,163 69 

$187,316 72 



BANKERS LIFE INS. CO. OF THE CITY OF NEW YORK. 271 

Disbursements during 1894. 

For losses and claims, $26,654 00 

salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners' fees, . 

legal expenses, 

incidentals, 

Total disbursements, .... 



21,023 67 

3,172 70 

1,944 50 
212 50 

9,936 15 
$62,943 52 



Balance, $124,373 20 

Net or Invested Assets. 



Loans on mortgages, 

Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, ..... 
Furniture and fixtures, 

Total net or invested assets, 



$79,000 00 

21,092 50 

662 47 

22,900 98 



. $717 25 



$123,655 95 



Non-invested Assets. 

Interest accrued, $1,248 51 

Market value of bonds and stocks over cost, . 120 00 

Total non-invested assets, . . . . 1,368 51 



Gross assets, $125,024 46 

Liabilities. 

Salaries, rents and office expenses due and ac- 
crued, . . . . , $166 66 

Advance assessments, $273 ; dividend obliga- 
tions, $2,620.70, 2,893 70 

Disability trust fund account, .... 3,201 00 

Total actual liabilities, . , . . . . 6,261 36 



Balance, net assets, $118,763 10 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $2,224 00 

Assessment not yet called for losses unadjusted, 16,843 81 

Net amount due from members, . . $19,067 81 

Contingent Mortuary Liabilities. 

Losses adjusted, not j^et due (4), . . . $4,252 00 

Losses in process of adjustment (3), . . 3,336 00 

Total contingent mortuary liabilities, . — — $7,588 00 



272 



BAY STATE BENEFICIARY ASSOCIATION. 



In force January 1, 
Written during the year, 

Total, .... 
Ceased during the year, 

In force December 81, . 

Claims unpaid January 1, . 
Claims incurred during the year, 

Total, .... 
Claims paid during the year, 

Claims unpaid December 31, 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

1,259 $1,663,881 00 - 
719 2,880,700 00 28 $103,500 00 



1,978 $4,544,581 00 28 $103,500 00 
162 574,337 00 3 13,500 00 



1,816 $3,970,244 00 25 $90,000 00 

3 $3,423 00 - 
24 30,819 00 - 



27 $34,242 00 
21 26,654 00 

6 $7,588 00 



BAY STATE BENEFICIARY ASSOCIATION, BOSTON.* 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

R. W. Parks, President, F. E. Litchfield, Secretary. 

Office, 31 State Street. 



Income during 1894. 
For membership fees, ........ 

annual dues, .....;... 

assessments, mortuary, $539,970.54 ; expense, $13,987.05, 
medical examiners 1 fees paid by applicant, 
interest, 

Total income, ......... 

Balance on hand Dec. 31, 1893, ...... 



$31,047 60 
61,348 63 

553,957 59 
4,152 00 
6,666 60 



$657,172 42 
231,999 27 



Total, . 



,171 69 



Disbursements during 1894. 
For losses and claims, ..... $514,964 28 
salaries and commissions to agents, . . 61,655 20 

salaries of officers and employees, . . 17,211 32 



* Formerly of Westfield; moved to Boston May 15, 1895. 



BAY STATE BENEFICIARY ASSOCIATION. 273 

For medical examiners' fees, . . . . . $10,235 75 

For incidental expenses, 21,433 01 

Total disbursements, $625,499 56 

Balance, "..... $263,672 13 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $164,419 17 

Cash in office, 12,994 60 

Cash in bank, 86,258 36 

Total net or invested assets, . . . . . . $263,672 13 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $95,000 00 

not yet called for losses unadjusted, 160,415 00 

resisted, 19,000 00 

Net amount due from members, . . — $274,415 00 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (32), . 
in process of adjustment (69), 

resisted (4), 

Total contingent mortuary liabilities, 



$95,000 00 

160,415 00 

19,000 00 



$274,415 00 



In force January 1, . 
Written during the year, 

Total, 
Ceased during the year, , 

In force December 31, 



Total Business of 1894. . 

Mass. Business, 
Number. Amount. Number. Amount. 

.16,387 $47,710,625 00 7,170 $20,901,500 00 
. 7,323 15,657,200 00 2,989 5,800,600 00 



.23,710 $63,367,825 0010,159 $26,702,100 00 
. 6,698 17,256,650 00 1,997 5,542,500 00 



. 17,012 $46,111,175 00 8,162 $21,159,600 00 



Claims unpaid January 1, . 64 
Claims incurred during year, . 236 



Total, .... 300 
Claims paid during the year, . 195 



$192,000 00 * 33 $91,000 00 
619,365 00 100 265,000 00 



$811,365 00 133 $356,000 00 
514,837 00 86 229,650 00 



Claims unpaid December 31, . 105 $296,528 00 47 $126,350 00 



* Saved by compromise, $22,113. 



274 



BOSTON MUTUAL LIFE ASSOCIATION. 



BOSTON MUTUAL LIFE ASSOCIATION, BOSTON, MASS. 

[Incorporated Aug. 18, 1891. Commenced business Feb. 15, 1892.] 

John W. Wheeler, President. Walter M. Lyman, Secretary. 

Office, 7 Water Street 

Income during 1894. 



For membership fees, 

annual dues, 

assessments, mortuary, 

interest, 
From all other sources, . 



Total income, . 
Balance on hand Dec. 31, 1893, 



Total, 



Disbursements during 1894. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
incidental expenses, . . 
Total disbursements, 



£9,000 00 
4,286 16 
4,309 93 
1,358 50 
3,952 79 



Balance, 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . . . 

Cash in office, 

Cash in bank, 



$6,304 45 

6,492 19 

17,927 46 

23 62 

804 50 



$31,552 22 
12,320 99 

$43,873 21 



Total net or invested assets, 

Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . . $5,700 00 

Assessment resisted, $2,000; and reported, 

$6,000, 8,000 00 

Net amount due from members, . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (2), . . . $6,000 00 

Losses resisted (1), 2,000 00 

Total contingent mortuary liabilities, . — 



22,907 38 



$20,965 83 



$11,379 01 

223 76 

9,363 06 

$20,965 83 



$13,7C0 00 



$8,000 00 



COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 275 



Business of 1894 (all in Massachusetts). 

Number. Amount. 

In force January 1, ....... 965 $3,078,500 00 

Written during the year, . 457 605,550 00 



Total, 
Ceased during the year, . 

In force December 31, . 

Claims unpaid January 1, 
Claims incurred during the year, 

Total, .... 
Claims paid during the year, . 

Claims unpaid December 31, . 



1,422 $3,684,050 00 
239 583,800 00 



1,183 $3,100,250 00 



|6,000 00 
11,000 00 



8 $17,000 00 
5 9,000 00 



5,000 00 



"COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS," 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1877. Commenced business Jan. 9, 1877.] 

A. W. Bekggren, President. W. H. Smollinger, Secretary. 



Income during 1894. 

For assessments, mortuary, $1,122,321.43 ; expense, $288, 

interest, . 

advance deposits, ...... 

Total income, ....... 

Balance on hand Dec. 31, 1893, .... 

Total, 



.81, $1,410,408 24 
18,655 57 
57,583 56 



. $1,486,647 37 
683,911 49 

. $2,170,558 86 



Disbursements during 1894. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, , 
legal expenses, .... 
incidentals, .... 

Total disbursements, . 



$1,166,880 10 
51,678 60 
164,007 76 
60,994 21 
26,084 87 
2,271 85 
54,692 38 



1,526,609 77 



Balance, 



. $643,949 09 



276 COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 
Cash in bank, . . .-' 

Total net or invested assets, 
Less depreciation, „ 

Total net or invested assets, 

Non-invested Assets. 
Interest due and accrued, ..... 
Furniture, fixtures, stamps, etc., $19,573 43 
Market value of bonds and stocks over cost, . 
Total non-invested assets, . . . . — 



$547,544 43 
96,404 66 

$643,949 09 
39,044 62 

$604,904 47 



M.627 66 
2,940 75 



7,568 41 



Gross assets, 



Liabilities. 



Advance assessments," 

Balance, net assets, . 



$597,336 06 

20,346 98 

$576,989 08 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $312,375 00 

not yet called for losses unadjusted, 315,660 00 
resisted, f 5,000 ; and reported, 

$67,250, 72,250 00 

Net amount due from members, . . — $700,285 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (99), . . . $234,875 00 

in process of adjustment (26), . . 80,785 00 

reported, not in process (30), . . 67,250 00 

resisted (1), . . . . . . 5,000 00 

Total contingent mortuary liabilities, . $387,910 00 



In force January 1, 
Written during the year, 

Total, 
Ceased during the year, 

In force December 31, 



Total Business of 1894. 

Mass. Business. 
Number. ., Amount. Number. Amount. 

. 45,014 $101,705,250 00 1,078 f 2,262,000 00 
. 10,705 17,327,500 00 575 1,074,500 00 



.55,719 $119,032,750 00 1,653 $3,336,500 00 
. 10,397 20,592,375 00 376 884,750 00 



. 45,322 



,440,375 00 1,277 $2,451,750 00 



Claims unpaid January 1, . 159 
Claims incurred during the year, 470 



$375,785 00 
1,197,500 00 



3 

13 



$4,750 00 
29,500 00 



Total, .... 629 $1,573,285 00 
Claims paid during the year, . 473 1,185,375 00 

Claims unpaid December 31, . 156 $387,910 00 



16 
10 



$34,250 00 
26,250 00 



,000 00 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 



277 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION, BOSTON, 

MASS. 

[Incorporated May 23, 1893, Commenced business Aug. 4, 1893.] 

Edward A. Loomis, President. Arthur T. Harlow, Secretary. 

Office, 53 Devonshire Street. 



Income during 1894. 

For membership fees, 

assessments, mortuary, $3,972 ; expense, $11,084, . 
interest, . 



Total income, 
Balance on hand Dec. 31, 1893, 



$6,038 00 

15,056 00 

156 06 

$21,250 06 

5,213 29 



Total, . . ' . . ' . . . . . . . $26,463 35 



Disbursements during 

For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
rent, taxes, advertising and printing 
legal expenses, .... 
borrowed money repaid, . 
incidental expenses, . 
Total disbursements, 



1894. 



12,439 51 

4 25 

6,467 50 

4,955 28 

503 00 
1,056 00 

369 24 
2,407 67 
1,522 28 



Balance, 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, .„.,.... 

Total net or invested assets, .... 

Non-invested Assets. 

Interest accrued, 

Market value of bonds and stocks over cost, . 
Office furniture, . . . . $253 65 

Total non-invested assets, .... — 



$100 00 
458 74 



19,724 73 



!,738 62 



$3,916 26 
1,375 97 
1,446 39 

$6,738 62 



558 74 



Gross assets, 



$7,297 36 



278 THE FIDELITY MUTUAL LIFE ASSOCIATION. 



Liabilities. 

Salaries, rents and office expenses due and 

accrued, $45 83 

Advance assessments, 167 00 

Total actual liabilities, . . . . — — $212 83 



Balance, net assets, ........ $7,084 53 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . $554 00 

Assessment not yet called for losses unadjusted, 365 00 

Total due from members, . . , $919 00 

Deduct estimated cost of collection, . . 91 90 

Net amount due from members, . . $827 10 

Contingent Mortuary Liabilities. 
Losses in process of adjustment (3), $365 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . 1,671 $6,355,000 00 1,224 $5,444,000 00 

Written during the year, . 1,219 6,091,000 00 997 4,981,000 00 



Total, .... 2,890 $12,446,000 00 2,221 $10,425,000 00 
Ceased during the year, . . 1,080 5,400,000 00 951 4,755,000 00 



In force December 31, . . 1,810 $7,046,000 00 1,270 $5,670,000 00 

Claims incurred during the year, 65 $2,804 00 60 $2,533 00 

Claims paid during the year, . 62 2,439 00 57 2,168 00 



Claims unpaid December 31, . 3 $365 00 3 $365 00 



" THE FIDELITY MUTUAL LIFE ASSOCIATION," 
PHILADELPHIA, PA. 

[Incorporated Dec. 2, 1878. Commenced business Jan. 1, 1879.] 

L. G. Fouse, President. W. S. Campbell, Secretary. 

Income during 1894. 

For membership fees, $250,454 96 

annual dues, . , . . . . . . . 268,196 46 

assessments, mortuary, $587,082.47 ; expense, $9,183.18, . 596,265 65 

medical examiners' fees paid by applicant, . c 3,386 50 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



279 



For interest, $35,417.22 ; rents, $2,877.65, 
From all other sources, . 

Total income, 

Balance on hand Dec. 31, 1893, 



,294 87 
139 00 



$1,156,737 44 
829,646 66 



Total, . . . $1,986,384 10 



Disbursements during 

For losses and claims, 

advance payments returned, , , , 
salaries and commissions to agents, , 
salaries of officers and employees, . 
medical examiners' fees, .... 
rent, taxes and advertising, . . . 

incidentals, . 

Total disbursements, ...... 



1894. 

$408,725 46 
28,070 80 
316,881 55 
87,777 12 
35,172 00 
46,914 42 
35,306 35 



Balance, 



958,847 70 
$1,027,536 40 



Net or Invested Assets. 

Cost of real estate, ...... 

Loans on mortgages, ..... 

secured by pledge of bonds, stocks, etc., 

secured by liens on policies, . 
Cost value of bonds and stocks owned, . 
Agents' ledger balances, . . . 
Cash in office, ....... 

Cash in bank, ....... 

Printing machinery, . . . . 

Total net or invested assets, 
Less agents' balances, printing machinery and loans on com- 
pany's policies, ...... 

Total net or invested assets, ...... 

Non-invested Assets. 

Interest due, $3,302 ; accrued, $5,230.37, . . $8,532 37 
Market value of real estate over cost and en- 
cumbrances, 22,446 89 

Total non-invested assets, .... 



1313,545 72 

303,331 13 

35,035 88 

26,247 83 

35,377 66 

250,557 72 

1,610 49 

60,062 69 

1,767 28 

$1,027,536 40 

278,572 83 
$748,963 57 



Gross assets, 



30,979 26 

$779,942 83 



Liabilities. 

Salaries, rents and office expenses due and ac- 
crued, 

Dividend obligations 

Total actual liabilities, . 

Balance, net assets, . 



$70 87 
33,313 27 



33,384 14 



$746,558 69 



280 



HARTFORD LITE AND ANNUITY INSURANCE COMPANY. 



Contingent Mortuary Liabilities. 



^« MCS aujusucu, uuu jci/ muc yvj, 

in process of adjustment (2), 
reported, not' in process (31), 
resisted (8), . 
Total contingent mortuary liabiliti 

Total Busini 

a Number. 

In force January 1, . . .19,832 
Written during the year, . . 8,044 


'. . 7,500 00 
64,000 00 
33,000 00 

Q3 


$117,500 00 

Business. 

Amount. 

$2,520,500 00 
1,059,500 00 


:ss of 1894. 

Amount. ]S 

$46,385,350 00 
19,449,750 00 


Mass. 
(umber. 

924 
434 

1,358 
174 

1,184 

2 
8 

10 

7 

3 


Total, . . . 
Ceased during the year, . 


. 27,876 
5,132 


$65,835,100 00 
12,702,200 00 


$3,580,000 00 
426,000 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year 


22,744 

47 
, 183 

230 
. 184 


$53,132,900 00 

$113,600 00* 
412,625 00 


$3,154,000 00 

$2,000 00 
26,200 00 


Total, . . . 
Claims paid during the year, 


$526,225 00 
408,725 00 


$28,200 00 
21,200 00 


Claims unpaid December 31, 


46 


$117,500 00 


$7,000 00 



" HARTFORD LIFE AND ANNUITY INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business of assessment insurance January, 1880.] 

R. B. Parker, President. Stephen Ball, Secretary. 



Income during 1894. 
For membership fees, 

annual dues, .... 

assessments, mortuary, $1,167,673.09 ; 

advances to agents repaid, 

interest, 

advance payments, . 
Received for accumulated safety fund, 



Total income, 
Balance on hand Dec. 31, 1893, 



Total, . 



expense. 



$69,654.14 



$82,081 29 

251,816 72 

1,237,327 23 

2 08 

48,277 06 

7,477 61 

58,498 27 

$1,685,480 26 

1,328,477 37 

$3,013,957 63 



* Saved by compromise, $3,400., 



HARTFORD LIFE AND ANNUITY INSURANCE COMPANY. 



281 



Disbursements during 1894. 



For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
membership dividends applied, 
legal expenses, .... 
dividends to stockholders, . 
incidental expenses, . 
Total disbursements, . 



.,142,271 00 

10,942 05 

158,345 33 

74,624 27 

25,694 56 

51,199 12 

3,780 70 

20,000 00 

54,039 34 



.,540,896 37 



Balance, $1,473,061 26 



Net or Invested Assets. 



Loans on mortgages, .... 

Cost value of bonds and stocks owned, . 
Cash in office, . . 

Cash in bank, 

Deposit on account of safety fund, . 

Total net or invested assets, 
Less depreciation, 



$9,600 00 

135,450 43 

4,732 32 

143,046 08 

. 1,180,232 43 

. $1,473,061 26 
22,655 93 



Total net or invested assets, 



,450,405 33 



Interest accrued, 
Gross assets, 



Non-invested Assets. 



1,380 29 



,451,785 62 



Liabilities. 

Accumulated safety, fund, $1,180,241 18 

Losses adjusted, due and unpaid, . . . 500 00 

Taxes due and accrued, 10,356 29 

Commissions due agents, . .'.-... . 4,888 91 

Advance assessments, . . ... . 3,254 15 

All other (not including contingent mortuary), , 62,45186 

Total actual liabilities, . . . 

Balance, net assets, 



1,261,692 39 



$190,093 23 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $162,500 00 

not yet called for losses unadjusted, 76,500 00 

resisted, . . . . . . 19,000 00 

Net amount due from members, . . $258,000 00 



282 MAINE BENEFIT ASSOCIATION. 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (80), . . . $162,500 00 

in process of adjustment (31), . . 76,500 00 

resisted (3), 19,000 00 

Total contingent mortuary liabilities, . $258,000 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, . 


. 39,325 
. 7,004 


$87,492,000 00 
12,114,000 00 


2,136 i 
502 

2,638 ! 
377 

2,261 

6 

20 

26 
19 

7 


14,848,000 00 
1,026,500 00 


Total,. 
Ceased during the year, . 


46,329 

. 5,580 


$99,606,000 00 
12,269,500 00 


15,874,500 00 
917,500 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the yeai 


. 40,749 

. 133 

•, 409 


$87,336,500 00 

$367,000 00 
1,033,271 00 


14,957,000 00 

$11,000 00 
31,500 00 


Total, .... 
Claims paid during the year, 


. 542 

. 428 


$1,400,271 00 
1,142,271 00 


$42,500 00 
33,000 00 


Claims unpaid December 31, 


. 114 


$258,000 00 


$9,500 00 



"MAINE BENEFIT ASSOCIATION," AUBURN, ME. 

[Incorporated March 5, 1885. Commenced business March 17, 1885.] 

Geo. C. Wing, President. Nathan W. Harris, Secretary. 

Income during 1894. 

For membership fees, $9,969 00 

annual dues, 21,225 53 

assessments, mortuary, $157,152.37; expense, $4,896.81, . 162,049 18 

interest, $3,690 ; rents, $125, 3,815 00 

From borrowed money, . . . . . . . . 1,500 00 

From all other sources, . . . . . . . . 1,016 39 

Total income, $199,575 10 

Balance on hand Dec. 31, 1893, . ~. 81,387 44 

Total, $280,962 54 

Disbursements during 1894. 

For losses and claims, $150,000 00 

advance payments returned, ... 54 00 

salaries and commissions to agents, . . 13,771 18 

salaries of officers and employees, . . 17,159 81 



MAINE BENEFIT ASSOCIATION. 283 



For medical examiners' fees, .... $2,171 00 

rent, taxes, advertising and printing, . 1,670 07 

incidentals, 7,082 79 

Total disbursements, .... 



$191,908 85 



,053 69 



Balance, 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $87,700 00 

Cash in office, 306 06 

Cash in bank, 1,047 63 



Total net or invested assets, $89,053 69 

Non-invested Assets. 
Interest due, 1,099 74 



Gross assets, $90,153 43 

Liabilities. 
Borrowed money, $1,500 00 

Advance assessments 404 15 

Total actual liabilities, . . . . — - — 1,904 15 



Balance, net assets, ...... $88,249 28 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $24,543 64 
Assessment reported, 28,000 00 



Total clue from members, .... $52,543 64 
Deduct estimated cost of collection, . . 1,251 00 

Net amount due from members, . . ■ $51,292 64 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (15), . . . $31,000 00 
Losses reported, not in process (7), . . 15,000 00 

Total contingent mortuary liabilities, . — $46,000 00 

Total Business of 1894. 

Mass. Bdsinkss. 
Number. Amount. Number. Amount. 

. 6,054 $13,298,000 00 829 $1,524,500 00 
. 1,610 2,093,500 00 957 1,040,500 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



7,664 $15,391,500 00 1,786 $2,565,000 00 
1,401 2,905,500 00 563 522,500 00 



6,263 $12,486,000 00 1,223 $2,042,500 00 



Claims unpaid January 1, . 19 $45,000 00 3 $10,000 00 

Claims incurred during the year, 68 151,000 00 11 19,000 00 

Total, 87 $196,000 00 14 $29,000 00 

Claims paid during the year, . 65 150,000 00 10 23,000 00 



Claims unpaid December 31, . 22 $46,000 00 4 $6,000 00 



284 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION. 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION", BOSTON, MASS. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879.] 

Geo. A. Litchfield, President. E. S. Litchfield, Secretary. 

Office, 53 State Street. 



1894. 

$1,688,263 34 
175,539 21 
295,474 42 
43,991 26 
37,476 27 
29,624 50 
24,392 59 
63,834 12 



, Income during 1894. 
For membership fees, 

annual dues, . . 

assessments, 

interest, 
From all other sources, 

Total income, " . 
Balance on hand Dec. 31, 1893, 

Total, .... 

Disbursements during 

For losses and claims, 

dividends paid to certificate holders, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, 
agency expenses, 
legal expenses, . 
incidental expenses, 
Total disbursements, 

Balance, 

Net or Invested Assets. 
Loans on mortgages, .... 
Loans secured by pledge of bonds, stocks, etc 
Cost value of bonds and stocks owned, . 
Cash advanced to agents, .... 

in office, . . . 

in bank, . 
Special deposit, Missouri insurance department, 

Total net or invested assets, 
Less cash advanced to agents, . 

Total net or invested assets, , 

Non-invested Assets. 

Interest accrued, " . $9,060 48 

Market value of bonds and stocks over cost, . 10,570 50 
Total non-invested assets, .... — 



$ 180,363 86 

254,409 22 

1,973,014 72 

29,538 73 

2,869 39 

'2,440,195 92 
981,297 48 

■3,421,493 40 



2,358,595 71 
$1,062,897 69 



f305,646 90 

45,653 12 

323,969 50 

54,214 82 

14,281 24 

318,132 11 

1,000 00 

'1,062,897 69 
54,214 82 

11,008,682 87 



19,630 98 



Gross assets, 



$1,028,313 85 



MASSACHUSETTS MASONIC LIFE ASSOCIATION. 285 

Contingent Mortuary Assets (or Resources). 

Assessment not yet called for losses unadjusted, - . . . $657,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (77), . . . $243,560 00 
in process of adjustment (30), 
reported, not in process (37), 
resisted (9),„ ... . .... 

Total contingent mortuary liabilities, 



97,450 00 
97,900 00 
47,000 00 
$485,910 00 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1,, 35,064 $105,381,605 00 10,725 $34,789,285 00 

Written during the year, . 10,583 16,217,900 00 476 880,500 00 



Total, . v . . .45,647 $121,599,505 00 11,201 $35,669,785 00 
Ceased during the year, . . 5,767 14,710,050 00 850 2,604,550 00 



In force December 31, . . 39,880 $106,889,455 00 10,351 $33,065,235 00 

Claims unpaid January 1, . 136 $ 424,323 00 37 $125,328 00 
Claims incurred during the year, 635 1,857,165 00 175 537,300 00 



Total, .... 771 $2,281,488 00 212 $662,628 00 
Claims paid during the year, . 618 1,795,578 00* 171 513,844 00 



Claims unpaid December 31, . 153 $485,910 00 41 $148,784 00 



MASSACHUSETTS MASONIC LIFE ASSOCIATION, SPRINGFIELD, 

MASS. 

[Incorporated June 9, 1893. Commenced business Sept. 1, 1893.] 

Charles C. Spellman, President. William W. Gowdy, Secretary. 

Income during 1894. 

For annual dues, ......... $7,639 00 

assessments, . , 90,657 04 

interest, 721 61 

Total income, $99,017 65 

Balance on hand Dec. 31, 1893, 29,981 92 

Total, . $128,999 57 

* Abatement by compromise and disability settlements, $107,315.57. 



286 MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



Disbursements during 1894. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, . 



Balance, 



$92,500 00 

64 18 

1,907 90 

20 00 

1,055 51 



$95,547 59 
|33,451 98 



Net or Invested Assets. 

Cash in bank, . f 30,451 98 

Deposited with State treasurer, 3,000 00 



Total net or invested assets, $33,451 98 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (10), . . . . . $17,000 00 



Total Business of 1894. 



Mass. Business. 



In force January 1, 
Written during the year, . 


Number. 

1,943 
10 

1,953 
73 

1,880 

16 
41 

57 

47 

10 


Amount. Number. Amount. 

$3,969,000 00 1,546 $3,074,500 00 
18,000 00 10 18,000 00 


Total, 

Ceased during the year, 


$3,987,000 00 
123,000 00 


1,556 $3,092,500 00 
67 105,500 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year, 


$3,864,000 00 

$35,500 00 
74,000 00 


1,489 $2,987,000 00 

5 $23,000 00 
7 56,500 00 


Total, 

Claims paid during the year, 


$109,500 00 
92,500 00 


12 $79,500 00 
11 65,000 00 


Claims unpaid December 31, 


$17,000 00 


1 $14,500 00 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, BOSTON, 

MASS. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Everett A. Stevens, President. G. Leonard McNeill, Secretary. 

Office, 131 Devonshire Street. 

Income during 1894. 

For membership fees, $12,912 00 

annual dues, . 206 00 

assessments, mortuary, $18,630.09 ; expense, $11,063.91, . 29,694 00 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



287 



For interest, ...... 

advances to agents repaid, 
reinstatement of lapsed certificates, . 



Total income, 
Balance on hand Dec. 31, 1893, 



Total, 



Disbursements during 
For losses and claims, 

advanced payments returned, . 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners 1 fees, . 

rent, taxes, advertising and printing 

legal expenses, . 

advanced to agents, 

profit and loss, . 

incidental expenses, 

Total disbursements, 

Balance, 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, ...... 

Cash in office, ........ 

Cash in bank, . . . . . ... 



1894. 




$12,570 26 


5 


33 


14,437 


11 


9,040 45 


908 


85 


3,309 


32 


56 


53 


300 00 


41 


86 


2,909 


72 



Total net or invested assets, 
Less agents' balances unsecured, 

Total net or invested assets, 



$447 00 

592 48 

5,755 70 

$49,607 18 

12,779 63 



,386 81 



43,579 43 



$18,807 38 



$9,810 


00 


270 


13 


264 


54 


8,462 


71 


$18,807 38 


270 


13 



,537 25 



Office furniture, 



Non-invested Assets. 



.,233 78 



Liabilities. 



Borrowed money, 
Advance assessments, 

Total actual liabilities, 



$3,000 00 
2,073 00 



$5,073 00 



Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . , $1,660 30 

not yet called for losses unadjusted, 468 57 

resisted, 5,896 43 

Total due from members, . — 



5,025 30 



288 MERCANTILE BENEFIT ASSOCIATION OF NEW YOEK. 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (1), . . $468 57 

Losses resisted (4), 5,896 43 

Total contingent mortuary liabilities, . — > $6,365 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. , Amount. 

. 2,281 $8,185,625 00 1,902 $6,651,000 00 
. 2,638 8,749,700 00 1,484 4,005,500 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 



4,919 $16,935,325 00 3,386 $10,656,500 00 
1,535 4,523,575 00 972 1,856,500 00 



3,384 $12,411,750 00 2,414 $8,800,000 00 
2 $329 00* 1 $200 00 



Claims incurred during the year, 269 18,606 00 187 15,191 00 



Total, 271 $18,935 00 188 $15,391 00 

Claims paid during the year, . 266 12,570 00 183 9,326 00 

Claims unpaid December 31, . 5 $6,365 00 5 $6,065 00 



"MERCANTILE BENEFIT ASSOCIATION OF NEW YORK," NEW 

YORK, N. Y. 

[Reincorporated, 1883. Commenced business May 1, 1877.] 

William Wills, President. Ira W. Steward, Secretary. 

Income during 1894. 

For membership fees, . . $470 00 

assessments, mortuary, $136,968.92 ; expense, f 10,354.50, 147,323 42 

medical examiners' fees paid by applicant, . . . 231 00 

interest, . . . 3,000 00 

Total income, ' $151,024 42 

Balance on hand Dec. 31, 1893, '. . . '. . . 118,652 89 

Total, $269,677 31 

Disbursements during 1894. 

For losses and claims, . . . . $138,750 00 

advance payments returned, . $16 00 

advance payments applied, . 2,876 64 

2,892 64 

salaries and commissions to agents, . . 1,355 00 

salaries of officers and employees, . . 12,598 78 

* Saved by litigation, $650.68. 



MERCANTILE BENEFIT ASSOCIATION OF NEW YORK. 289 

For medical examiners' fees, . . . $231 00 

rent, advertising and printing, . . . 1,722 45 

incidental expenses, 1,744 81 

depreciation of assets to bring same to 

market value, 12,571 37 

Total disbursements, $171,866 05 



Balance, $97,811 26 

Net or Invested Assets. 

Cost value of bonds and stocks owned, .... 

Cash in office, 

Cash in bank, 

Total net or invested assets, 

Non-invested Assets. 

Due from ex-secretary, 

Office furniture, 



$79,100 00> 


56 


58. 


18,654 


68 


$97,811 


26 


$2,833 


31 


671 


58, 



Liabilities. 

Advance assessments, $400 92- 

Contingent Mortuary Assets (or Resources). 
Assessment called and due, .... $7,655 50 

Deduct estimated cost of collection, . . . 382 75 

Net amount due from members, . . $7,272 75, 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (11), . . . $52,50000 
in process of adjustment (4), . . 21,250 00 

resisted (1), . " 5,000 00 

Total contingent mortuary liabilities, . $78,750 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, . 


2,474 $11,168,750 00 
73 270,000 00 


18 
3 


$75,000 00 
8,000 00 


Total, 

Ceased during the year, . 


2,547 $11,438,750 00 
189 860,750 00 


21 
3 

18 


$83,000 00 
12,500 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 


2,358 

7 
42 


$10,578,000 00 

$36,250 00 
181,250 00 


$70,500 00 


Total, 

Claims paid during the year, . 


49 
33 


$217,500 00 
138,750 00 


- 


Claims unpaid December 31, . 


16 


$78,750 00 


— 



290 THE merchants' life ass'n of the united states 



"THE MERCHANTS' LIFE ASSOCIATION OF THE UNITED 

STATES," ST. LOUIS, MO. 

[Incorporated June 20, 1890. Commenced business July 1, 1890.1 

Wm. H. Collins, President. H. A. Darby, Secretary. 



Income during 1894. 

Eor membership fees, 

annual clues, 

assessments, . . . 

medical examiners' fees paid by applicant, 

interest, ....... 



$8,112 50 

17,763 15 

56,195 05 

1,563 00 

3,817 77 



Total income, $87,451 47 

Balance on hand Dec. 31, 1893, . . . . . ■ . 62,302 65 



Total, $149,754 12 

Disbursements during 1894. 

For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, 
legal expenses, . 
incidental expenses, . 
Total disbursements, . 

Balance, 



Net or Invested Assets 
Loans on mortgages, 
Loans and liens on policies in force, 
Cost value of bonds and stocks owned, 
Agents 1 ledger balances, . 
Cash in office, .... 
Cash in bank, .... 
Office fixtures, .... 

Total net or invested assets, 

Not Admitted 

Loans and liens on policies in force, 
Agents' ledger balances, .... 
Office fixtures, 



Total net or invested assets, 



$18,864 47 




13,568 52 




2,189 72 




1,707 25 




240 00 




6,049 10 






42,619 06 




• i • • 


$107,135 06 


SSETS. 


$59,800 00 




28,978 70 




5,000 00 




1,368 21 




680 05 




10,549 97 




954 13 




$107,331 06 


$28,978 70 




1,368 21 




954 13 






31,301 04 




.... 


$76,030 02 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION. 



291 



Non-invested Assets. 



Interest accrued, 

Gross assets, 

Liabilities. 

Losses adjusted, due and unpaid, . 

Balance, net assets, 

Total Business of 1894. 



In force January 1 , . 
Written during the year, 

Total, . 
Ceased during the year, 



Number. Amount. 

1,136 $3,026,000 00 
521 1,622,500 00 



1,657 $4,648,500 00 
170 355,000 00 



$705 00 



$76,735 02 



5,000 00 



$71,735 02 



Mass. Business. 
Number. Amount. 

52 $72,000 00 



In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 


1,487 

1 
10 

11 
10 


$4,293,500 00 

$5,000 00 
20,500 00 


52 


$72,000 00 


Total, . . . . . 
Claims paid during the year, 


$25,500 00 
20,500 00 


- 



Claims unpaid December 31, 



i,000 00 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON, MASS. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

George M. Hobbs, President. William L. Wellman, Secretary. 

Office, 18 P. O. Square. 



Income during 1894. 

For membership fees, 

assessments, mortuary, $15,087.47 ; expense, $6,477.28, . 
interest, .......... 



Total income, 
Balance on hand Dec. 31, 1893, 



$215 50 

21,564 75 

295 85 

$22,076 10 
12,557 26 



Total, $34,633 36 



292 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION. 



Disbursements during 1894. 



For losses and claims, . . 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
rent, advertising and printing, . 
incidental expenses, . 
Total disbursements, . 



Balance, 





$11,095 72 






874 28 






4,412 50 






1,827 90 






875 08 






712 78 


$19,798 26 








$14,835 10 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 

Total net or invested assets, .... 



$8,953 
547 

4,288 


83 
20 
23 


$13,789 26 



Interest accrued, 
Gross assets, 



Non-invested Assets. 



895 00 



$14,684 26 



Liabilities. 



Advance assessments, 

Balance, net assets, . 



182 43 



$14,501 83 



Contingent Mortuary and Disability Assets (or Resources). 

Assessment called and not yet due, . . . $2,000 00 

due and unpaid, . 500 00 

not yet called for losses unadjusted, 1,759 02 

resisted, 10,250 00 

Total due from members, .... $14,509 02 

Deduct estimated cost of collection, . . .. 350 00 

Net amount due from members, . . $14,159 02 



Contingent Mortuary and Disability Liabilities. 

Losses in process of adjustment (17), . . $1,759 02 

Losses resisted (3), . . . . . . 10,250 00* 

Total contingent mortuary liabilities, . $12,009 02 



* Since been paid, $5,250. 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



293 



In force January 1, 
Written during the year, . 

Total, .... 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year 

Total, .... 
Claims paid during the year, 

Claims unpaid December 31, 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

2,030 |6,807,450 00 1,310 $4,807,200 00 
96 282,000 00 48 182,750 00 



2,126 f7,089,450 00 1,358 $4,989,950 00 
730 2,101,450 00 339 1,207,950 00 



1,396 $4,988,000 00 1,019 $3,782,000 00 



37 
124 



20 



$3,360 00 14 $1,580 00 
19,744 00 62 5,350 00 



161 $23,104 00 76 
141 11,095 00 66 



£6,930 00 
6,013 00 



$12,009 00 10 



$917 00 



"MUTUAL RESERVE FUND LIFE ASSOCIATION," 
NEW YORK, N. Y. 

[Incorporated 1875. Commenced business Feb. 9, 1881.] 



Edward B. Harper, President. 



Charles W. Camp, Secretary. 



Income during 1894. 

For membership fees, , . . 

annual dues, ..... 
mortuary assessments, 
medical examiners" fees paid by applicant, 
interest, $135,029.08; rents, $66,049.08, 
advance assessments, .... 

From all other sources, .... 

Total income, 

Balance on hand Dec. 31, 1893, 



Total, . 



• $386,169 60 

734,578 80 

3,525,162 16 

70,385 00 

201,078 16 

24,733 20 

1,632 67 

$4,943,739 59 
3,938,914 15 

$8,882,653 74 



Disbursements during 1894. 



For losses and claims, .... 
advance payments returned, . 
bonds redeemed, .... 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, 



$3,070,514 01 
984 60 
7,288 81 
593,418 73 
419,403 04 
79,378 21 



294 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



For rent, taxes, advertising and printing, . . $248,306 71 

legal expenses, 862 01 

adjusting claims, 69,748 25 

incidental expenses, 146,605 47 

Total disbursements, . 



Balance, 



$4,636,509 84 
$4,246,143 90 



Net or Invested Assets 

Cost of real estate, .... 

Loans on mortgages, 

Cost value of bonds and stocks owned, 

Agents' ledger balances, . 

Cash in office, . . . . . 

Cash in bank, 

Furniture and fixtures, 



Total net or invested assets, 
Less agents' balances and furniture and fixtur 

Total net or invested assets, 



es, 



$442,856 29 

2,341,400 00 

257,188 37 

269,700 43 

1,251 50 

897,605 52 

36,141 79 

$4,246,143 90 
305,842 22 

13,940,301 68 



Non-invested Assets. 

Interest due, $5,651.81 ; accrued, $19,380.50, . $25,032 31 

Rents due, $1,064.82; accrued, $3,579.17, . 4,643 99 

Market value of real estate over cost, . . 5,440 31 

Market value of stocks and bonds over cost, . 14,463 78 

Total non-invested assets, .... 

Gross assets, 



49,580 39 
!,989,882 07 



Liabilities. 



Advance assessments, 
Outstanding bond obligations, . 
Total actual liabilities, 

Balance, net assets, . 



$124,275 48 
413,124 46 



537,399 94 
. $3,452,482 13 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $680,330 00 
Deduct estimated cost of collection, . . 68,033 00 

Net amount due from members, . . $612,297 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (140), . . . $375,983 16 

in process of adjustment (102), . . 403,868 00 

reported, not in process, . . . 477,792 00 

resisted (16),. . . . . . 187,614 00 

Total contingent mortuary liabilities, . $1,445,257 16 



THE NATIONAL LIFE-MATURITY INSURANCE COMPANY. 



295 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1, 
Written during the year, . 


82,716$262,607,065 00 1 
24,271 66,408,225 00 


,738 3 
654 

!,392 \ 
174 

,218$ 

4 
16 

20 
19 

1 


*7 ,024,300 00 
1,489,500 00 


Total, 

Ceased during the year, 


106,987 $329,015,290 00 i 
10,920 35,649,184 00 


$8,513,800 00 
748,850 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year. 


96,067 $293,366,106 00 S 

222 $850,720 00 
980 3,665,051 00 


?7,764,950 00 

$16,700 00 
59,350 00 


Total, .... 
Claims paid during the year, 


1,202 
944 


$4,515,771 00 
3,070,514 00 


|76,050 00 
61,050 00 


Claims unpaid December 31, 


258 


fl,415,257 00 


|15,000 00 



"THE NATIONAL LIFE-MATURITY INSURANCE COMPANY," 

WASHINGTON, D. C. 

[Incorporated Feb. 2, 1884. Commenced business May 3, 1883.] 

Horatio Browning, President. Henry K. Beck, Secretary. 



Income during 1894. 

For annual dues, . 

assessments, mortuary, $239,532.11 ; expense, $11,706.71, 

interest, .... 
From borrowed money, . 
From all other sources, 

Total income, . 
Balance on hand Dec. 31, 1893, 

Total, 



),507 84 

251,238 82 

16,083 29 

10,000 00 

135 95 

$337,965 90 
348,883 84 

|686,849 74 



Disbursements during 1894. 

For losses and claims, . . . . . $ 148,668 &9 

surrender values, . . . . . 97,440 35 
mortuary assessments paid by application 

of reserve, 23,589 17 

advance payments returned, . . . 2,055 09 

salaries and commissions to agents, . . 16,060 12 

salaries of officers and employees, . . 22,307 00 

medical examiners' fees, .... 2,179 75 



296 THE NATIONAL LIFE-MATURITY INSURANCE COMPANY. 



For rent, taxes, advertising and printing, 

legal expenses, 

incidental expenses, 

profit and loss, 

Total disniirspinpn f"s> 


$5,998 81 

2,789 62 

7,877 35 

538 49 


$329,504 


1 1 




• 






Balance, ....... 


$357,345 


60 


Net or Invested Assets 










Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 

Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, ..... 

Cash in office, . 

Cash in bank, . 

Personal property, 








$189,043 35 

78,755 55 

49,200 93 

28,232 20 

1,380 94 

9,415 14 

1,317 49 


Total net or invested assets, 
Less agents 1 balances and personal property, . 


$357,345 60 
29,549 69 


Total net or invested assets, 


$327,795 91 



Non-invested Assets. 
Interest due, $4,032.32 ; accrued, $3,104.64, . 

Gross assets, 



7,136 96 



$334,932 87 



Borrowed money, 

Balance, net assets, . 



Liabilities. 



10,000 00 
$324,932 87 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $55,550 88 

clue and unpaid, .... 9,076 78 

not yet called for losses unadjusted, 35,500 00 
resisted, $9,200 ; and reported, 

$28,750, 37,950 00 

Total due from members $138,077 66 

Deduct estimated cost of collection, . . . 19,22147 

Net amount due from members, . . $118,856 19 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (11), . . . $21,750 00 

in process of adjustment (16), . . 35,500 00 

reported, not in process (20), . . 28,750 00 

resisted (6), . . . . . . 9,200 00 

Net contingent mortuary liabilities, . . 



$95,200 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY. 297 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . 12,589 $13,406,737 00 2,000 f 3,598,042 00 

Written during the year, . . 1,290 1,662,485 00 99 118,135 00 



Total, 13,879 $15,069,222 00 2,099 $3,716,177 00 

Ceased during the year, . . 1,159 1,378,400 00 171 416,600 00 



In force December 31, . . 12,720 f 13,690,822 00 1,928 $3,299,577 00 

Claims unpaid January 1, . . 39 f 76,700 00 18 $59,000 00 
Claims incurred during the year, 82 168,600 00 41 112,350 00 

Total, . 
Claims paid during the year, 

Claims unpaid December 31, 



. 121 

68 


|245,300 00 
150,100 00 


59 
33 

26 


|171,350 00 
102,800 00 


53 


$95,200 00 


$68,550 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY, 

BOSTON, MASS. 

[Incorporated April 12, 1888. Commenced business Oct. 13, 1888.] 

J. A. Harwood, President. Leonard Tillinghast, Secretary. 

Office, 120 Tremont Street. 

Income during 1894. 

For membership fees, $10,865 43 

assessments, mortuary, $33,635.47 ; expense, $9,196.25, . 42,831 72 

medical examiners 1 fees paid by applicant, . . . 839 05 

From all other sources, 17 17 



Total income, $54,553 37 

Balance on hand Dec. 31, 1893, 6,064 69 



Total, $60,618 06 



Disbursements during 1894. 

For losses and claims, $36,047 82 

salaries and commissions to agents, . . 5,713 44 

salaries of officers and employees, . . 3,036 50 

medical examiners' fees, .... 5,635 06 



298 NEW ENGLAND LIVE STOCK INSURANCE COMPANY. 

For rent, advertising and printing, . . . $1,554 42 

For incidental expenses, 3,897 87 

Total disbursements, $55,885 11 

Balance, $4,732 95 



Net or Invested Assets. 

Cash in office, $3,186 30 

Cash in bank, 1,546 Q5 

Total net or invested assets, . . . . . , $4,732 95 



Non-invested Assets. 
Office furniture, $750 00' 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, ... * $2,659 59 

clue and unpaid, .... 1,827 05 

not yet called for losses unadjusted, 6,226 32 

Total due from members, . . . . $10,712 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (59), $6,598 00* 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . 4,493 $618,000 00 4,362 $601,373 00 

Written during the year, . . 2,314 282,179 00 2,216 270,381 00 



Total, 6,807 $900,179 00 6,578 $871,754 00 

Ceased during the year, . . 2,595 357,602 00 2,538 350,063 00 



In force December 31, . . 4,212 $542,577 00 4,040 $521,691 00 

Claims unpaid January 1, . . 61 $7,953 00 61 $7,953 00 

Claims incurred during the year, 290 34,693 00 286 34,168 00 



Total, 351 $42,646 00 347 $42,121 00 

Claims paid during the year, . 292 36,047 00 288 35,522 00 



Claims unpaid December 31, . 59 $6,599 00 59 $6,599 00 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



299 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION, 
BOSTON, MASS. 

[Incorporated Feb. 29, 1884. Commenced business March, 1884.] 

Augustus P. Martin, President. Benj. F. Dyer, Secretary. 

Office, 85 Water Street. 

Income during 1894. 

For membership fees, . $8,315 56 

annual dues, . 438 50 

assessments, mortuary, $61,793.76 ; expense, $72,973, . 134,766 76 

interest, 2,728 26 

Total income, $146,249 08 

Balance on hand Dec. 31, 1893, 70,730 44 

Total, . . . . . $216,979 52 



Disbursements during 

For losses and claims, .... 
advance and other payments returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners' fees, . 
rent, taxes, advertising and printing, 

legal expenses, 

incidental expenses, .... 
Total disbursements, .... 



1894. 

$60,127 41 

1,006 08 

30,602 83 

24,307 90 

11,108 16 

7,552 28 

391 65 

5,078 46 



140,174 77 



Balance, 



$76,804 75 



Net or Invested Assets. 

Loans on mortgages, ...... 

Cost value of bonds and stocks owned, . 

Agents' ledger balances, ...... 

Cash in office, 

Cash in bank, ........ 



Total net or invested assets, 
Less agents' balances unsecured, 



$7,300 00 

34,933 10 

3,697 39 

262 61 

30,611 65 



$76,804 75 
3,697 39 



Total net or invested assets, 



$73,107 36 



300 NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



Non-invested Assets. 

Interest accrued, $ 245 86 

Market value of bonds and stocks over cost, . 1,106 90 

Office furniture, .... $3,492.57 

Total non-invested assets, . . ■ . $1,352 76 



Gross assets, $ 74,460 12 

Liabilities. 

Taxes due and accrued, f 200 00 

Advance assessments, 243 35 

All other (not including contingent mortuary), 500 00 

Total actual liabilities, .... 943 35 



Balance, net assets, $73,516 77 



Contingent Mortuary and Disability Assets (or Resources) 

Assessment called and not yet due, . . . $4,962 00 

not yet called for losses unadjusted 
resisted, $12,000; and reported 
$1,165.71, .... 
Total due from members, . 



3,288 19 
13,165 71 



1,415 90 



Contingent Mortuary and Disability Liabilities. 

Losses adjusted, not yet due (2), . . . $2,640 00 

in process of adjustment (39), 
reported, not in process (25), 

resisted (3), 

Total contingent mortuary liabilities, 



3,288 19 

1,165 71 
15,000 00 
$22,093 90 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . . 9,762 $43,771,250 00 3,521 $16,459,000 00 
Written during the year, . . 6,184 38,568,500 00 585 3,573,000 00 



Total, .... 15,946 $82,339,750 00 4,106 $20,032,000 00 

Ceased during the year, . . 4,019 16,895,400 00 750 3,276,750 00 



In force December 31, . . 11,927 $65,444,350 00 3,356 $16,755,250 00 

Claims unpaid January 1, . 5 $5,947 00 1 $5,000 00 

Claims incurred during the year, 845 76,273 00 242 17,758 00 



Total, ... . . .850 $82,220 00 243 $22,758 00 

Claims paid during the year, . 781 60,127 00 241 16,507 00 



Claims unpaid December 31, . 69 $22,093 00 2 $6,251 00 



NORTHWESTERN MASONIC AID ASSOCIATION. 



301 



"NORTHWESTERN MASONIC AID ASSOCIATION," CHICAGO, ILL, 

[Incorporated June 27, 1894. Commenced business July, 1894.] 

Daniel J. Avery, President. Charles A. Capwell, Secretary. 



For assessments, mortuai 

284.69,* . 
For interest, 
From all other sources, 

Total income, 
Balance on hand Dec. 31, 1893, 

Total, . . . 



Income during 1894. 

y, $1,666,96101; expense, $645,- 



$2,312,245 7G 
18,706 18 
24,553 70 

$2,355,505 58 
744,226 06 

$3,099,731 64 



Disbursements during 1894. 



For losses and claims, 

advance payments applied, 

surrendered policies, . 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners' fees, . 

rents, taxes, advertising and printing, 

legal expenses, .... 

incidental expenses, . 

Total disbursements, . 



Balance, . $762,420 09 



$1,884,657 14 

2,695 56 

9,874 91 

200,599 22 

134,477 50 

35,489 31 

36,408 56 

2,646 72 

30,462 63 



Net or Invested Assets. 

Loans on rnortg-ao-es, .... 
Cost value of bonds and stocks owned, . 
Agents' ledger balances, .... 
Cash in office, . . . . . 
Cash in bank, ...... 



Total net or invested assets, 
Less agents' balances unsecured, 



Total net or invested assets, 

Non-invested Assets 



Interest accrued, 
Gross assets, 



2,337,311 55 



$4,500 00 

418,223 69 

51,711 26 

100 00 

287,885 14 

$762,420 09 

53,036 55 

$709,383 54 



2,122 05 
$711,505 59 



* $221,256.44 transfered from expense to mortuary fund. 



302 



PROVIDENT AID SOCIETY. 



Liabilities. 

Losses adjusted, d tie and and unpaid (3 claims), $16,000 00 

Advance assessments, 22,629 13 

All other, .' . . . . . . . 2,961 03 

Total actual liabilities, .... $41,590 16 

Balance, net assets, . $669,915 43 

Contingent Mortuary Assets (or Resources). 
Assessment adjusted, not due, .... $210,700 00 
due and unpaid, .... 45,000 00 

not yet called for losses unadjusted, 12,000 00 

resisted, $15,500; and reported, 

$182,000, 197,500 00 

Amount clue from members, . . . $465,200 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (57), . . . $210,700 00 
in process of adjustment (3), . . 12,000 00 

reported, not in process (59), . . 182,000 00 

resisted (7), 15,500 00 

Total contingent mortuary liabilities, . $420,200 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 

Claims incurred during the year, 537 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

. 45,773 $142,548,500 00 553 $1,985,000 00 
.11,547 22,344,500 00 671 1,959,500 00 



57,320 $164,893,000 00 1,224 $3,944,500 00 
9,239 23,738,500 00 259 813,000 00 



. 48,081 $141,154,500 00 965 $3,131,500 00 



146 



$458,857 00 
1,868,500 00 



Total 683 $2,327,357 00 

Claims paid during the year, . 554 1,889,157 00 



Claims unpaid December 31, . 129 $438,200 00 



$4,500 00 
29,500 00 

$34,000 00 
25,500 00 

$8,500 00 



" PROVIDENT AID SOCIETY," PORTLAND, ME. 

[Incorporated March 5, 1885. Commenced business Oct. 15; 1885] 

John L. Cutler, President. Everett Smith, Secretary. 

Income during 1894. 



For membership fees, 
For annual dues, 



$466 34 
7,583 18 



PROVIDENT AID SOCIETY. 



303 



For assessments, mortuary, $51,865.41 ; expense, $380.76, . $52,246 17 

For interest, 2,687 72 

From all other sources, 866 82 

Total income, $63,850 23 

Balance on hand Dec. 31, 1893, 61,501 36 

Total, $125,351 59 



Disbursements during 1894. 



For losses and claims, .... 
advance payment returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
profit and loss, . . 
incidental expenses, . 
Total disbursements, .... 



$60,500 00 

137 50 

182 00 

8,041 09 

1,943 34 

1,064 95 



71,868 88 



Balance, 



$53,482 71 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 
Cash in office, . . . . . . . 

Cash in bank, 



Total net or invested assets, 



$43,600 90 

499 25 

9,382 56 

$53,482 71 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (6), . . . $16,500 00 

Losses in process of adjustment (2), . . 2,000 00 

Total contingent mortuary liabilities, . 



$18,500 00 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1, 
Written during the year, . 

Total, ..... 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year 

Total, .... 
Claims paid during the year, 

Claims unpaid December 31, 



31 


71,000 00 


10 

384 
33 

351 

6 

3 

3 


19,000 00 


. 2,048 
. 150 


$5,666,500 00 
426,500 00 


$957,500 00 
80,500 00 


. 1,898 

5 

26 


$5,240,000 00 

$8,500 00 
70,500 00 


$877,000 00 
$16,000 00 


31 

23 


$79,000 00 
60,500 00 


9,000 00 


8 


$18,500 00 


$7,000 00 



304 



SECUKITY LIVE STOCK INSURANCE COMPANY. 



SECURITY LIVE STOCK INSURANCE COMPANY, BOSTON, MASS. 

[Incorporated April 17, 1891. Commenced business May 11, 1891.] 

John F. Merrill, President. Fred. H. Smith, Secretary. 

Office, 53 State Street. 



Income during 1894. 
For membership fees, 

assessments, mortuary, $14,037.12;. expense, $9,921.57, 

rents, 

From all other sources, 



Total income, 
Balance on hand Dec. 31, 1893, 



Total, 



$5,992 70 

23,958 69 

154 33 

32 52 

$30,138 24 

2,159 01 

$32,297 25 



Disbursements during 1894. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners 1 fees, . 

rent, taxes, advertising and printing, 

legal expenses, .... 

incidental expenses, . 

Total disbursements, . 



Balance, 



$13,934 07 

3,172 13 

3,940 00 

2,031 15 

1,709 52 

471 79 

3,591 72 



28,850 38 
$3,446 87 



Net or Invested Assets. 



Agents 1 ledger balances, . 
Cash in office, .... 
Cash in bank, .... 

Total net or invested assets, 
Less agents 1 balances unsecured, 

Total net or invested assets, 



$404 22 

265 18 

2,777 47 

$3,446 87 
404 22 

$3,042 65 



Office furniture, 



Non-invested Assets. 



,100 00 



Liabilities. 



Bill payable, 

Balance, net assets, . 



105 00 



$2,937 65 



THE SECURITY MUTUAL LIFE ASS'N OF BINGHAMTON, N. Y. 305 



Contingent Mortuary Assets (or Resources). 

Assessment due and unpaid, .... 
not yet called for losses unadjusted, 
resisted, 



Total due from members, . 
Deduct estimated cost of collection, . 
Net amount due from members, 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (13), . . . $1,805 00 

in process of adjustment (1), . . 500 00 

resisted (4), 680 00 

Total contingent mortuary liabilities, . — — 



$172 00 

8,748 74 

680 00 


$9,600 74 
960 07 



1,640 67 



!,985 00 



Total Business of 1894 (all in Massachusetts). 

Number. Amount. 

In force January 1, . .... 3,327 f 499,279 00 

Written during the year, 



Total, . 
Ceased during the year. 

In force December 31, 



Claims unpaid January 1, 
Claims incurred during the year, 

Total, 

Claims paid during the year, . 

Claims unpaid December 31, . 



1,157 148,360 00 



4,484 |647,639 00 
1,774 277,316 00 



2,710 |370,323 00 

18 $2,638 00 

102 15,185 00 

120 $17,823 00 

102 14,838 00 

18 $2,985 00 



"THE SECURITY MUTUAL LIFE ASSOCIATION OF BINGHAM- 
TON, N. Y.," BINGHAMTOJST, N. Y. 

[Incorporated Nov. 6, 1886. Commenced business Jan. 3, 1887.] 

H. J. Graylord, President. Charles M. Turner, Secretary. 

Income during 1894. 
For assessments, mortuary, $112,184.16 ; expense, $115,723.49, 



medical examiners' fees paid by applicant, 
interest, $8,284.40 ; rents, $625, 
From all other sources, 



Total income, 
Balance on hand Dec. 31, 1893, 

Total, . 



$227,907 65 

1,634 00 

8,909 40 

11,670 89 



$250,121 94 
213,759 88 



$463,881 82 



306 THE SECURITY MUTUAL LIFE ASS'N OF BINGHAMTON, N. Y. 



DlSBUESEMENTS DURING 1894. 



For losses and claims, 

dividends to members, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . ... 
rent, taxes, advertising and printing 
legal expenses, .... 
borrowed money repaid, . 
incidental expenses, . . 
Total disbursements, . 



f61,393 82 

2,607 36 

85,532 38 

12,914 51 

6,970 00 

9,660 50 

657 27 

3,000 00 

4,549 76 



$187,285 60 



Balance, 



$276,596 22 



Net or Invested Assets. 

Loans on mortgages, .... 
Loans secured by pledge of bonds, stocks, etc 
Cost value of bonds and stocks owned, . 
Agents 1 ledger balances, .... 

Cash in office, 

Cash in bank, 



Total net or invested assets, 
Less depreciation and agents 1 balances unsecured, 

Total net or invested assets, 



1151,500 00 

658 00 

1,000 00 

30,137 68 

6,887 60 

86,412 94 



$276,596 22 
32,608 83 



$243,987 39 



Non-invested Assets. 

Interest due and accrued, 1,557 17 

Office furniture, $5,408 15 

Gross assets, , $245,544 56 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, ........ $803 67 

Bills payable, 2,217 76 

Total actual liabilities, . . . 3,021 43 

Balance, net assets, . ... . . . . $242,523 13 



Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . . $51,350 00 
Deduct estimated cost of collection, . . . 1,797 00 

Net amount due from members, . . ■ $49,558 00 



THE U. S. MUTUAL ACCIDENT ASS'N OF THE CITY OF N. Y. 307 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (10), . . . $15,462 50 

in process of adjustment (3), . . 11,000 00 

resisted (1), 2,000 00 

Total contingent mortuary liabilities, , $28,462 50 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . . 5,173 $10,745,300 00 14 $48,000 00 
Written during the year, . . 2,242 5,839,900 00 31 113,500 00 



Total, 7,415 $16,585,200 00 45 $161,500 00 

Ceased during the year, . . 1,281 2,829,000 00 3 20,000 00 



In force December 31, . . 6,134 $13,756,200 00 42 $141,500 00 

Claims unpaid January 1, . . 3 $11,550 00 - 

Claims incurred during the year, 33 81,843 00 - 

Total, 36 $93,393 00 - 

Claims paid during the year, . 22 61,831 00 - 



Claims unpaid December 31, . 14 $31,562 00* 



"THE UNITED STATES MUTUAL ACCIDENT ASSOCIATION OF 
THE CITY OF NEW YORK, 1 ' NEW YORK, N. Y.f 

[Reincorporated 1883. Commenced business Nov. 3, 1877.] 

Charles B. Peet, President. William B. Smith, Secretary. 

Income during 1894. 

For membership fees, $11,844 00 

assessments, indemnity, $334,697.39; expense, $430,927.28, 765,624 67 

interest, . . 4,374 94 

From Investment Company of New Jersey, .... 1,027 07 

From all other sources, 8,434 41 

Total income, $791,305 09 

Balance on hand Dec. 31, 1893, 155,628 38 

Total, $946,933 47 

* Part of ten of these claims have been paid. 
t Receiver appointed May, 1895. 



308 THE U. S. MUTUAL ACCIDENT ASS'N OF THE CITY OF N. Y. 



Disbursements during 
For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners' fees, . 

rent, taxes, advertising and printing 

legal expenses, . . . . 

incidental expenses, . 

Total disbursements, . 

Balance, ..... 



1894. 

$376,366 46 

148,599 43 

168,343 04 

9,198 62 

72,912 69 

18,654 03 

58,001 39* 



552,075 66 



,857 81 



Net or Invested Assets. 
Loans on mortgages, 
Cost value of bonds and stocks owned, 
Agents' ledger balances, 
Cash in office, . 
Cash in bank, . 
Bills receivable, 



Total net or invested 



assets, 



Less agents' balances unsecured, 
Total net or invested assets, 



132,500 00 

12,641 85 

19,643 37 

2,614 82 

17,923 92 

9,533 85 



$94,857 81 
19,643 37 



$75,214 44 



Non-invested Assets. 



Office furniture, 



$21,205 85 



Contingent Assets. 
Investment Company of New Jersey, 



,455 04 



Liabilities. 
Borrowed money, ..... 
Advance assessments and special deposits, 

Bills payable, 

Total actual liabilities, . . • 

Balance, net assets, .... 



$45,000 00 
18,194 42 
10,000 00 



73,194 42 



!,020 02 



Contingent Mortuary and Indemnity Assets (or Resources). 

Assessment called and not yet due, . . . $16,435 00 

not yet called for losses unadjusted, 59,308 19 
resisted, $60,000 ; and reported, 

$46,119.82, ..... 106,119 82 



Total due from members, . 
Deduct estimated cost of collection, . 
Net amount due from members, 



[81,863 01 
8,621 00 



$173,242 01 



WORLD ACCIDENT INSURANCE COMPANY. 309 



Contingent Mortuary and Indemnity Liabilities. 

Losses adjusted, not yet due (6), . . . $36,250 00 
in process of adjustment (228), . 
reported, not in process (89), 

resisted (12), 

Total contingent mortuary liabilities, 



55,058 19 
14,119 82 
60,000 00 
$165,428 01 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . . 50,877 $267,957,600 00 4,211 $21,782,620 00 
Written during the year, .33,936 172,789,600 00 1,535 7,836,000 00 



Total 84,813 $440,747,200 00 5,746 $29,618,620 00 

Ceased during the year, . . 30,192 166,548,500 00 1,806 9,862,120 00 



In force December 31, . .54,621 $274,198,700 00 3,940 $19,756,500 00 

Claims unpaid January 1, . 276 $106,529 00 14 $16,240 00 
Claims incurred during the year, 3,113 435,265 00 195 27,588 00 



Total, .... 3,389 $541,794 00 209 |43,828 00 
Claims paid during the year, . 3,054 376,366 00 193 40,430 00 



Claims unpaid December 31, . 335 $165,428 00 16 $3,398 00 



WORLD ACCIDENT INSURANCE COMPANY, BOSTON, MASS. 

[Incorporated Sept. 2, 1893. Commenced business Nov. 7, 1893.] 

J. Q. A. Brackett, President. Jay B. Crawford, Secretary. 

Office, 306 Sears Building. 

Income during 1894. 

For membership fees, , $1,128 00 

assessments, mortuary, $510.94; expense, $371.72, . . 882 66 

interest, 60 00 

From all other sources, 5,206 82 

Total income, . $7,277 48 

Balance on hand Dec. 31, 1893, 1,585 05 

Total, . . . . . $8,862 53 



310 



WORLD ACCIDENT INSURANCE COMPANY. 



Disbursements during 1894. 



For losses and claims, . 

salaries and commissions to agents, . 

salaries of officers and employees, . 

medical examiner's fees, . 

rent, taxes, advertising and printing, 
All other, . 

Total disbursements, . 



$392 50 

855 13 

1,153 04 

15 00 

780 02 
4,081 61 



Balance, 




Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, 



,512 50 
12 73 
60 00 



L ,585 23 



Non-invested Assets. 

Interest due, $20 ; accrued, $6.67, . 
Market value of bonds and stocks over costs, . 
Total non-invested assets, .... 



Gross assets, 



$26 67 
14 00 



40 67 



.,625 90 



Contingent Mortuary Assets (or Resources), 

Assessment called and not yet due, . . . $243 00 

due and unpaid, .... 408 00 

reported, ....... 952 00 

Total due from members, , 



$1,603 00 



Total Business of 1894 (all in Massachusetts). 

Number. Amount. 

In force January 1, . . 579 

Written during the year, . 

Total, ..... 
Ceased during the year, . 

In force December 31, 

Claims incurred during the year, 
Claims paid during the year, . 



376 


541,750 00 


955 
637 


$1,393,500 00 
937,250 00 


. . . 318 

. . . . 10 
. ... 10 


$456,250 00 

$392 00 
$392 00 



FRATERNAL BENEFICIARY ASSOCIATIONS, 



From their Annual Returns Dec. 31, 1894. 



SUMMARY OF STATEMENTS RECEIVED, 



AMERICAN LEGION OF HONOR, BOSTON. 

[Incorporated March 11, 1879. Commenced business Dec. 18, 1878.] 

John M. Gwinnell, President. Adam Warnock, Secretary. 

Office^ 200 Huntington Avenue. 

Income during 1894. 

For membership fees, $6,861 75 

assessments, mortuary, $2,683,700.49 ; expense, $87,283.41, 2,770,983 90 

interest, 19,424 79 

All other, 27,823 00 



Total income, $2,825,093 44 

Balance on hand Dec. 31, 1893, 609,638 97 



Total, $3,434,732 41 

Disbursements during 1894. 



For losses and claims, 

dividends to certificate holders, 

returns to councils, . 

salaries of officers and emplo3 T ees, 

incidental expenses, . 

Total disbursements, . 



Balance, 



1,593,150 00 

157,924 27 
25,777 00 
20,828 33 
38,025 75 



2,835,705 35 

$599,027 06 



Net or Invested Assets. 

Cost of real estate, $100,000 00 

Cost value of bonds and stocks owned, ..... 400,230 24 

Cash in bank, 98,796 82 



Total net or invested assets, $599,027 06 

Liabilities. 

Losses adjusted, due and unpaid (13), . . $36,000 00 
Salaries, rents and office expenses due and ac- 
crued, 1,558 34 

All other (not including contingent mortuary), 1,040 00 

Total actual liabilities, .... 38,598 34 



Balance, net assets, . . . . . , . $560,428 72 



314 



AMERICAN ORDER OF FRATERNAL HELPERS. 



Contingent Mortuary Assets (or Resources). 

Assessment due and unpaid, . . . . . . . $243,292 88 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (54), . 



$141,000 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Claims unpaid January 1, 
Claims incurred during the year 

Total,. 
Claims paid during the year, 

Claims unpaid December 31, 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

60,076 $159,473,000 00 5,122 $13,096,000 00 
5,112 7,049,500 00 246 330,500 00 



65,188 $166,522,500 00 5,368 $13,426,500 00 
9,128 23,621,000 00 612 2,113,500 00 



40 
956 



$108,500 00 
2,572,000 00 



996 $2,680,500 00 
929 2,503,500 00 



67 $177,000 00 



4,756 $11,313,000 00 

5 $12,000 00 
79 179,500 00 


84 

80 


$191,500 00 
178,500 00 


4 


$13,000 00 



AMERICAN ORDER OF FRATERNAL HELPERS, BOSTON. 

[Incorporated July 13, 1892. Commenced business Aug. 1, 1892.] 

Samuel P. Tenney, President. Joshua C. Simmons, Secretary. 

Office, 62 Boylston Street. 



Income during 1894. 

For membership fees, ........ 

assessments, mortuary, $3,479.75; expense, $1,763.25, 

medical examiners' fees paid by applicant, 

rents, 

From all other sources, . . , 

Total income, . 

Balance on hand Dec. 31, 1893, 



Total, . $11,615 85 



$3,670 00 


5,243 


00 


1,468 


00 


107 


00 


825 


50 


$11,313 50 


302 35 



AMEBIC AN ORDER OF FRATERNAL HELPERS. 



315 



Disbursements during 1894. 



For losses and claims, 

preliminary organization, 
salaries of officers, 
medical examiners" 1 fees, 
incidental expenses, . 
Total disbursements, . 



$2,807 76 
3,670 00 
1,296 00 
1,101 00 
1,814 60 



Balance, 



$10,689 36 



$926 49 



Cash in office, 
Cash in bank, 



Net or Invested Assets. 



Total net or invested assets, 



$61 34 
865 15 



$926 49 



Liabilities. 
Borrowed money, $500 ; interest accrued on same, $2.50, 

Balance, net assets, . • 



502 50 



$423 99 



Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, $1,085 25 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due, 



.,085 25 



Business of 1894 (all in Massachusetts). 



In force January 1, 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, . 

Claims unpaid January 1, 
Claims incurred during the year 

Total, . . 

Claims paid during the year, 



Number. Amount. 

777 $1,261,000 00 
734 1,165,500 00 



1,511 $2,426,500 00 
158 242,500 00 



1,353 $2,184,000 00 



$1,000 00 
9,000 00 



6 $10,000 00 
6 10,000 00 



316 THE SUPREME COUNCIL CATHOLIC BENEVOLENT LEGION. 



"THE SUPREME COUNCIL CATHOLIC BENEVOLENT LEGION," 

BROOKLYN, N. Y. 

[Incorporated Sept. 5, 1881. Commenced business Oct. 12, 1881.] 

John C. McGuire, President. John D. Carroll, Secretary. 



Income during 
For annual dues, 

assessments, mortuary, 
interest, .... 

Total income, 
Balance on hand Dec. 31, 1893, 

Total, ...... 



1894. 



$25,047 75 

818,968 41 

1,086 24 

$845,102 40 
12,417 17 

$857,519 57 



Disbursements during 1894. 



For losses and claims, 

preliminary organization, . 
salaries of officers and employees, 
incidental expenses, . 
Total disbursements, . 



Balance, 



$820,500 00 

5,902 99 

10,341 40 

14.746 55 



851,490 94 
$6,028 63 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, 



$500 00 
5,528 63 

^6,028 63 



Contingent Mortuary Liabilities 

Losses adjusted, not yet due (18), . . . $37,500 00 

in process of adjustment (3), . . 9,000 00 

reported, not in process (26), . . 47,500 00 

Total contingent mortuary liabilities, . — 



$94,000 00 



Total Business of 1894. 



In force January 1 , . 
Written during the year, . 

Total, .... 
Ceased during the year, . 

In force December 31, , 



Number. Amount. 

31,772 $60,481,500 00 
4,884 6,846,500 00 



36,656 
1,501 



57,328,000 00 
2,712,500 00 



35,155 $64,615,500 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION. 317 



Claims unpaid January 1, 
Claims incurred during the year, 



Number. 


Amount. 


79 


$157,500 00 


380 


756,000 00 



Total, ......... 459 $913,500 00 

Claims paid during the year, . . . . . 412 819,500 00 



Claims unpaid December 31, . 47 $94,000 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Jan. 24, 1877.] 

Albert Pitts, President. Walter P. Tilton, Secretary. 

Income during 1894. 

For membership fees, ........ $25 00 

annual dues, . 2,848 00 

assessments, 62,844 00 

interest, .......... 349 94 

All other, ........... 1,130 75 

Total income, $ 67,197 69 

Balance on hand Dec. 31, 1893, ...... 24,897 84 

Total, ........... $92,095 53 

Disbursements during 1894. 

For losses and claims, ..... $64,508 00 
salaries of officers and employees, . . 1,350 00 

incidental expenses, ..... 1,861 13 

Total disbursements, ..... - 67,719 13 

Balance, $24,376 40 

Net or Invested Assets. 

Cost value of bonds and stocks owned, ..... f 16,816 25 

Cash in office, 19 71 

Cash in bank, 7,540 44 

Total net or invested assets, ...... $24,376 40 

Non-invested Assets. 

Interest, 635 00 

Gross assets, . . . . , , . . . . $25,011 40 



318 



EQUITABLE AID UNION. 



Total Business of 1891. 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Claims paid during the year, . 
Claims unpaid December 31, . 







Mass. 


Business. 


Number. 


Amount. 


Number. 


Amount. 


. 1,576* 


- 


1,137* 


- 


9* 


- 


6* 


- 


. 1,585* 


- 


1,143* 


— 


. 287* 


- 


208* 


- 


. 1,298* 


- 


935* 


- 


e year, 21* 


— 


16* 


— 


jar, . 23 


$64,508 00 


16 


$44,948 00 



"EQUITABLE AID UNIOX," COLUMBUS, PENN". 

[Incorporated March 22, 1879. Commenced business April 25, 1879.] 

Albert Morgan, President. James W. Merritt, Secretary. 



Income during 1894. 



For annual dues, 

assessments, mortuary, .... 
medical examiners 1 fees paid by applicant, 
interest, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1893, 

Total,. . 



$31,606 82 

821,166 80 

321 75 

1,756 63 

5,630 55 

$860,482 55 
27,301 16 

$887,783 71 



Disbursements during 1894. 



For losses and claims, 

Return to grand unions, . 

For organizing unions, 

salaries of officers and employees, 
medical examiners' fees, . 



$794,981 6Q 

7,366 00 

17,671 45 

18,425 87 

2,395 48 



* Amount not fixed$ depends on membership. 



EQUITABLE AID UNION. 319 

For legal expenses, ...... $2,224 92 

For incidental expenses, ..... 7,529 69 

Total disbursements, $850,595 07 



Balance, $37,188 64 

Net or Invested Assets. 

Cost of real estate, $7,000 00 

Cash in bank, . 30,188 64 



Total net or invested assets, ...... $37,188 64 

Assets Unadmitted. 
Per capita tax due from sub-unions, . . $12,000 00 
Office furniture, supplies, etc., .... 4,736 68 



$16,736 68 



Liabilities. 

Losses adjusted, due and unpaid (6), . . $6,650 00 

Due grand unions, . . . . . . 2,032 30 

Total actual liabilities, .... — — 8,682 30 



Balance, net assets, $28,506 34 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $69,724 51 
Assessment not yet called, . . . . 63,700 00 

Net amount due from members, . . — $133,424 51 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (163), . . $192,982 50 

Total Business of 1894. 

Mass. Business 
Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, . 


31,168 
4,393 


$47,594,725 00 
6,589,500 00 


761 
6 

767 
123 

644 

2 

18 

20 
16 


$1,278,440 00 
7,412 00 


Total, .... 
Ceased during the year, . 


.35,561 
. 6,358 


154,184,225 00 
10,673,215 00 


$1,285,852 00 
225,027 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year 


.29,203 $43,511,010 00 

. 162 $213,950 00 
, 772 780,664 00 


$1,060,825 00 

$3,700 00 
17,161 00 


Total, .... 
Claims paid during the year, 


. 934 
. 765 


$994,614 00 
794,981 00 


$20,861 00 
16,774 00 



Claims unpaid December 31, . 169 $199,633 00 4 $4,087 00 



320 



FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 



FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 
WESTFIELD, MASS. 

[Incorporated April 12, 1887. Commenced business May 4, 1887.] 

James Noble, Jr., President. H. N. Kingsbury, Secretary, 



Income during 1894. 



For membership fees, 
annual dues, 
assessments, 



Total income, . 
Balance on hand Dec. 31, 1893, 



Total, 



16,640 00 
17,288 00 
34,576 00 

$58,504 00 
10,416 47 

168,920 47 



Disbursements during 1894. 



For losses and claims, 

advance payments returned, 
preliminary organization, . 
salaries of officers and employees, 
incidental expenses, . 
Total disbursements, . 

Balance, . 



$33,021 86 

21 35 

15,414 13 

6,764 22 

5,082 58 



),304 14 



5,616 33 



Net or Invested Assets. 



Cash in office, . 
Cash in bank, 



Total net or invested assets, 



^5,644 84 
2,971 49 

>8,616 33 



Liabilities. 



Borrowed money, , 

Balance, net assets, . 



6,000 00 



!,616 33 



Contingent Mortuary Assets (or Resources), 

Assessment called and not yet due, . . . $2,546 00 

due and unpaid, .... 4,580 00 

not yet called for losses unadjusted, 21,004 00 

Net amount due from members, . . 



$28,130 00 



ANCIENT ORDER OF FORESTERS OF AMERICA. 321 

Contingent Mortuary Liabilities. 
Losses resisted (2), $10,000 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . 8,635 f 25,108,900 00 2,657 $8,371,800 00 

Written during the year, . . 1,800 4,963,550 00 91 327,000 00 



Total, ..... 10,435 $30,072,450 00 2,748 $8,698,800 00 
Ceased during the year, . . 2,383 6,645,800 00 297 979,500 00 



In force December 31, . . 8,052 

Claims unpaid January 1, . 2 

Claims incurred during the year, 504 



Total, 506 

Claims paid during the year, . 504 



Claims unpaid December 31, . 



23,426,650 00 

$10,000 00 
33,021 00 


2,451 
93 
93 


17,719,300 00 
$8,635 00 


$43,021 00 
33,021 00 


$8,635 00 


$10,000 00 


_ 



ANCIENT ORDER OF FORESTERS OF AMERICA, BROOKLYN, N. Y. 

[Commenced business Oct. 1, 1876.] 

Lewis Thorne, President. E. M. McMurtry, Secretary. 

Income during 1894. 

For annual dues, . $965 42 

For assessments, mortuary, . . . . . . . 47,319 81 



Total income, $48,285 23 

Balance on hand Dec. 31, 1893, 949 40 



Total, $49,234 63 

Disbursements during 1894. 

For losses and claims, . . . . $46,500 00 

salaries of officers, ..... 353 50 

incidentals, 540 41 

Total disbursements, • 47,393 91 

Balance, $1,840 72 

Net or Invested Assets. 
Cash in bank, , $1,840 72 



322 SUP. COMMANDERY, UNITED ORDER GOLDEN CROSS OF WORLD. 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $ 3,800 00 

due and unpaid, .... . 3,800 00 

reported, 2,000 00 

Net amount due from members, . . __= 



►,600 00 



Contingent Mortuary Liabilties. 

Losses adjusted, not yet due (3), . . . $1,500 00 

in process of adjustment (4), . . 4,000 00 

reported, not in process (1), . . 1,000 00 

Total contingent mortuary liabilities, . — 



),500 00 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 



In force January 1, 
Written during the year, . 


. 2,073 
41 


$2,155,000 00 
38,500 00 


96 
1 

97 
23 

74 

3 
3 

6 
2 

4 


$128,000 00 
1,000 00 


Total, .... 
Ceased during the year, 


2,114 

. 652 


$2,193,500 00 
1,435,500 00 


$129,000 00 
26,000 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year 


1,462 

11 
41 


$758,000 00 

$10,500 00 
45,500 00 


$103,000 00 

$4,000 00 
4,000 00 


Total, .... 
Claims paid during the year, 


52 
44 


$56,000 00 
46,500 00 


$8,000 00 
3,000 00 


Claims unpaid December 31, 


8 


$9,500 00 


$5,000 00 



"SUPREME COMMANDERY, UNITED ORDER OF THE GOLDEN 
CROSS OF THE WORLD;' KNOXVILLE, TENN. 

[Incorporated July 4, 1876. Commenced business July 4, 1876.] 

Fessenden I. Day, President. W. R. Cooper, Secretary. 

Income during 1894. 

For membership fees, $4,575 00 

annual dues, *3,466 37 

assessments, mortuary, $405,627.32; expense, $24,681.70,* 430,309 02 

medical examiners 1 fees paid by applicant, . . . 3,111 00 

All other, 568 73 

Total income, $442,030 12 

Balance on han(| Dec. 31, 1893, ,,,,,* 17,65717 

Total, $459,687 29 

* Company notified that it is illegal to receive both annual dues and expense assessments. 



SUP. COMMANDERY, UNITED ORDER GOLDEN CROSS OF WORLD. 323 



Disbursements during 1894. 



For losses and claims, * 

salaries of officers and employees, . 
medical examiners 1 fees, . 
incidental expenses, . 
Total disbursements, . 



$411,504: 78 

7,569 00 

3,111 00 

16,334 18 



$438,518 96 



Balance, $21,168 33 

Net or Invested Assets. 
Cash in office, . . . . . . ... \ . . $21,168 33 

Liabilities. 

Losses adjusted, due and unpaid, o . . . . , . $2,000 00 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $25,500 00 
due and unpaid, . . . t . 2,000 00 

not yet called for losses unadjusted, 42,500 00 
resisted, $9,000 ; and reported, 

$2,000, . t . . p . . 11,000 00 

Net amount due from members, . . — — $81,000 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (3), . . . $7,000 00 

in process of adjustment (30), . . . . 42,500 00 

reported, not in process (1), . . » . 2,000 00 

resisted (5), . . . , . ' . .. 9,000 00 

Total contingent mortuary liabilities, . — — $60,500 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number Amount. 

In force January 1, . . .22,187 $31,901,000 00 6,664 $10,210,000 00 
Written during the year, . . 4,956 6,973,000 00 1,362 1,773,500 00 



Total, . \ V . ' . 27,143 $38,874,000 00 8,026 $11,983,500 00 
Ceased during the year, . . 2,359 3,985,500 00 438 601,000 00 



In force December 31, . . 24,784 $34,888,500 00 7,588 $11,382,500 00 

Claims unpaid January 1, . 27 $45,500 00 8 $14,000 00 

Claims incurred during the year, 286 436,000 00 81 122,500 00 



Total, 313 $481,500 00 89 $136,500 00 

Claims paid during the year, . 272 411,492 00 78 118,000 00 



Claims unpaid December 31, . 41 $70,008 00 11 $18,500 00 



324 SUPREME CONCLAVE IMPROVED ORDER HEPTASOPHS. 



"SUPREME CONCLAVE IMPROVED ORDER HEPTASOPHS," 

BALTIMORE, MD. 

[Incorporated Aug. 28, 1878. Commenced business Aug. 28, 1878.] 

F. L. Brown, President. Edwin Eareckson, Secretary. 

Income during 1894. 

For membership fees, $34,512 00 

per capita tax, * 16,104 26 

assessments, mortuary, $276,083.11 ; expense, $25,230.27,* 301,313 38 

medical examiners 1 fees paid by applicant, . . . 8,628 00 

interest, 1,023 20 

All other, 723 05 



Total income, $362,303 89 

Balance on hand Dec. 31, 1893, 37,188 13 



Total, . . . . . . . . . . $399,492 02 

Disbursements during 1894. 



For losses and claims, .... 
salaries and commissions to organizers, 
salaries of officers and employees, . 
medical examiners' fees, . 
entrance fees retained by subordinates, 
borrowed money repaid, . 
incidental expenses, .... 
Total disbursements, .... 

Balance, 



$285,000 00 

8,062 68 

12,601 84 

8,628 00 

28,760 00 

3,000 00 

12,548 93 



358,601 45 
$40,890 57 



Net or Invested Assets. 
Cash in bank, $40,890 57 

Liabilities. 
Losses adjusted, due and unpaid, ...... $12,000 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . 15,069 $28,850,000 00 - 

Written during the year, . . 5,752 10,228,000 00 68 $198,000 00 

Total, 20,821 $39,078,000 00 - 

Ceased during the year, . . 1,258 2,279,000 00 - 

In force December 31, . . 19,563 $36,799,000 00 68 $198,000 00 
* Company notified that it is illegal to call an expense assessment and also levy a per capita tax. 



ROYAL SOCIETY OF GOOD FELLOWS. 



325 



Number. Amount. 

Claims unpaid January 1, . .6 $12,000 00 
Claims incurred during the year, 139 285,000 00 



Total, . . . . . 145 $297,000 00 
Claims paid during the year, . 138 285,000 00 



Claims unpaid December 31, 



7 $12,000 00 



" ROYAL SOCIETY OF GOOD FELLOWS" RHODE ISLAND. 



[Incorporated Feb. 23, 1882. Commenced business April, 1882.] 



W. R. Spooner, President. 



Otto L. F. Luthin, Secretary, 



Office, 620 Atlantic Avenue, Boston. 



Income during 1894. 
For membership fees, 

per capita tax, . 

assessments, mortuary, 

interest, 

borrowed money, 
All other, .... 



Total income, 
Balance on hand Dec. 31, 1893, 



$4,151 00 

20,865 17 

313,917 68 

395 46 

3,000 00 

1,289 91 

$343,619 22 

20,931 85 



Total, . 



. $364,551 07 



Disbursements during 1894. 



For losses and claims, 

salaries of officers and employees, 
legal expenses, .... 
borrowed money, . 
incidental expenses, . 
Total disbursements, . 



Balance, 



$323,859 78 

12,434 68 

4,500 00 

1,000 00 

17,121 88 



358,916 34 



$5,634 73 



Net or Invested Assets. 



Cash in office, 



1,634 73 



326 ROYAL SOCIETY OF GOOD FELLOWS. 



Non-invested Assets. 

Stock on hand, $3,756 28 

All other, ........ 198 50 



. Total non-invested assets, .... $3,954 78 



Liabilities. 

Borrowed money, $2,000 00 

All other (not including contingent mortuary), 277 78 



Total actual liabilities, .... $2,277 78 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $20,000 00 

due and unpaid, .... 3,000 00 

not yet called for losses unadjusted, 51,000 00 

Net amount due from members, . . $74,000 00 

Contingent Mortuary Liabilities. 

Losses reported, not in process (23), . . $52,000 00 
Losses resisted (13),. . . . «. . 26,000 00 

Total contingent mortuary liabilities, . — ■ — ■ $78,000 00 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . . 10,676 $24,806,500 00 4,743 $11,134,000 00 
Written during the year, . . 4,899 7,042,500 00 1,502 1,876,500 00 



Total, 15,575 $31,849,000 00 6,245 $13,010,500 00 

Ceased during the year, . . 2,705 4,638,500 00 744 1,304,000 00 



In force December 31, . . 12,870 $27,210,500 00 5,501 $11,706,500 00 

Claims unpaid January 1, .39 $91,000 00 14 $31,000 00 
Claims incurred during the year, 141 323,500 00 69 156,000 00 



Total,. .... 180 $414,50000 83 $187,00000 
Claims paid during the year, . 144 336,500 00* 62 142,473 00 



Claims unpaid December 31, . 36 $78,000 00 21 $44,527 00 



* Saved by compromise, $12,640.22. 



SUPREME COUNCIL OF THE HOME CIRCLE. 



327 



SUPREME COUNCIL OF THE HOME CIRCLE, BOSTON. 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

U. W. Tompkins, President. Julius M. Swain, Secretary. 

Office, 120 Tremont Street. 



Income during 1894. 

For assessments, mortuary, f 155,714.50 ; expense, $8,039.99, . $163,754 49 

For borrowed money, . . . .» . . . . 1,500 00 

From all other sources, . . . . » . . . . 2,673 25 



Total income, . . . . / . . . . $167,927 74 
Balance on hand Dec. 31, 1893, ........ 390 24 



Total, 



. $168,317 98 



Disbursements during 1894. 



For losses and claims, 

salaries of officers and employees, 
medical examiners' fees, . 
incidental expenses, . 
Total disbursements, . 



Balance, 



$156,000 00 

4,509 00 

448 00 

6,699 13 



167,656 13 



$661 85 



Cash in office, 



Net or Invested Assets. 



$661 85 



Non-invested Assets. 



Office furniture, 
Office supplies, . 
Bills receivable, 



Liabilities. 
Losses adjusted, due and unpaid (5 claims), 

Borrowed money, 

Total actual liabilities, 



$1,500 00 

865 00 

8,900 00 



.1,265 00 



58,500 00 
1,500 00 



Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due 



$10,000 00 



$,300 00 



328 THE SUPREME LODGE KNIGHTS AND LADIES OF HONOE. 



Total Business of 1894. 



Mass, Business, 
Number. Amount. 



In force January 1, 
Written during the year, . 


6,766 $14,837,000 00 
1,000 1,392,500 00 


2,632 
424 

3,056 
172 

2,884 

2 
24 

26 
23 

3 


$5,949,500 00 
543,500 00 


Total, . 
Ceased during the year, 


7,766 $16,229,500 00 
583 1,091,500 00 


$6,493,000 00 
316,000 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year, 


7,183 $15,138,000 00 

6 $8,000 00 
68 156,500 00 


$6,177,000 00 

$3,000 00 
52,000 00 


Total, 

Claims paid during the year, 


74 $164,500 00 
69 156,000 00 


$55,000 00 
49,500 00 


Claims unpaid December 31, 


5 $8,500 00 


$5,500 00 



"THE SUPREME LODGE KNIGHTS AND LADIES OF HONOR," 

INDIANAPOLIS, IND. 

[Incorporated April 5, 1878. Commenced business Sept. 19, 1877.] 

L. B. Lockard, President. C. W. Harvey, Secretary. 

Income during 1894. 



For membership fees, 

annual dues, 

for assessments, mortuary, 

interest, . 

borrowed money, 
From all other sources, 



Total income, 
Balance on hand Dec. 31, 1893, 



Total, 



$12,975 00 

24,323 91 

1,090,800 30 

761 39 

7,500 00 

3,902 68 

$1,140,263 28 
91,531 35 



$1,231,794 63 



Disbursements during 1894. 



For losses and claims, 

preliminary organization, . 
salaries of officers and employees, 
incidental expenses, . . 
Total disbursements, . 



Balance, 



Cash in office, 
Cash in bank, 



$ 1,089,123 80 
12,926 20 
14,703 55 
13,673 48 



1,130,427 03 



Net or Invested Assets. 



$101,367 60 



$11,093 34 
70,014 26 



THE SUPREME LODGE KNIGHTS AND LADIES OF HONOR. 329 



Supplies and furniture, 

Due from ex-supreme treasurer, 

Total net or invested assets, 
Less amount in suspended banks, 

Total net or invested assets, 

Not Admitted 
Supplies and furniture, 

Due from ex-supreme treasurer, 



$4,501 94 
15,758 06 



$4,501 94 

15,758 06 

$101,367 60 

1,411 35 

,956 25 



20,260 00 



Balance, $79,696 25 



Non-invested Assets. 
Interest due and accrued, $3,243 58 

Bills receivable, ...... 1,683 70 

Total non-invested assets, . . . . 



Gross assets, 



4,927 28 
$84,623 53 



Liabilities. 

Losses adjusted, due and unpaid (138 claims), $178,000 00 

Borrowed money, 7,500 00 

Total actual liabilities, .... — — — — 



$185,500 00 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, $80,207 60 

Assessment due and unpaid, 117,200 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (27), . . . $34,000 00 

in process of adjustment (12), . . 9,809 53 

reported, not in process (67), . . 77,500 00 

Total contingent mortuary liabilities, . — — — $121,309 53 



In force January 1, 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

.67,516 $82,159,000 00 2,167 $2,434,000 00 
. 11,946 13,720,000 00 246 268,500 00 



.79,462 $95,879,000 00 2,413 $2,702,500 00 
. 6,119 7,219,500 00 145 163,000 00 



. 73,343 $88,659,500 00 2,268 $2,539,500 00 



251 $309,333 00 



Claims incurred during the year, 860 1,079,100 00 



Total, .... 
Claims paid during the year, 

Claims unpaid December 31, 



1,111 $1,388,433 00 
867 1,089,123 00 



6 
23 

29 
27 



$6,000 00 
$23,000 00 

$29,000 00 
27,000 00 



244 $299,310 00 



>,000 00 



330 



SUPREME LODGE KNIGHTS OF HONOR. 



"SUPREME LODGE KNIGHTS OF HONOR," ST. LOUIS, MO. 

[Incorporated March, 1876. Commenced business Jan. 1, 1873.] 

Marsden Bellamy, President. B. F. Nelson, Secretary. 



Income during 1894. 



For membership fees, 

annual clues, 

assessments, 

interest, 
From all other sources, 

Total income, 
Balance on hand Dec. 31, 1893, 

Total, . . . . . 



$19,929 45 

37,157 55 

3,844,550 17 

4,210 87 

11,680 12 

$,917,528 16 
13,298 62 



^,930,826 78 



Disbursements during 1894. 



For losses and claims, 
organizing, 
salaries of officers and employees, 
legal expenses, . 
incidental expenses, 
Total disbursements, 



Balance, 



1,845,116 65 

12,169 50 

45,002 90 

6,917 80 

17,897 59 



3,927,104 44 
$3,722 34 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets. 



$893 15 
2,829 19 



!,722 34 



Non-invested Assets. 



Bills receivable, 
Furniture and supplies, 



Gross assets, 



1,288 86 



1,701 25 



>,423 59 



Bills payable, 



Liabilities. 



i,093 00 



Contingent Mortuary Assets (or Resources). 
Assessment in process of collection, ..... $590,538 57 



ENDOWMENT RANK KNIGHTS OF PYTHIAS. 331 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (125), . . . $244,000 00 

in process of adjustment (22), . . . . 43,000 00 

reported, not in process (4), . . . 1,733 35 

Total contingent mortuary liabilities, . — -* — $288,733 35 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1,. . 123,354 $232,769,500 00 9,235 $17,575,500 00 
Written during the year, . 9,151 15,618,500 00 368 600,000 00 



Total, . . ; 132,505 $248,388,000 00 9,603 $18,175,500 00 
Ceased during the year, °. .12,720 22,965,500 00 603 1,097,500 00 



In force December 31, . 119,785 $225,422,500 00 9,000 $17,078,000 00 

Claims unpaid January 1, . 250 $183,000 00 16 $32,000 00 
Claims incurred during the year, 1,901 3,650,849 00 114 223,000 00 



Total, .... 2,151 $4,133,84900 130 $255,00000 
Claims paid during the year, . 2,000 3,845,116 00 129 252,500 00 



Claims unpaid December 31, . 151 $288,733 00 1 $2,500 00 



"ENDOWMENT RANK KNIGHTS OF PYTHIAS," CHICAGO, ILL. 

[Incorporated Oct. 5/1875. Commenced business Nov. 1, 1877.] 

J. A. Hinsey, President. H. B. Stolte, Secretary. 

Income during 1894. 

For annual dues, $36,184 25 

assessments, 938,528 25 

interest, . . . .... . . . 14,691 88 

From all other sources, ........ 2,677 15 



Total income, . $992,081 53 

Balance on hand Dec. 31, 1893, . . ... . 174,155 76 



Total, $1,166,237 29 

Disbursements during 1894. 

For losses and claims, $809,560 00 

organizing, 13,207 79 

salaries of officers and employees, . , . 11,050 18 



332 ENDOWMENT RANK KNIGHTS OF PYTHIAS. 

For medical examiners 1 fees, .... $13,189 45 

legal expenses, 5,151 18 

incidental expenses, . . . . 21,706 47 

Total disbursements, — $873,865 07 



Balance, $292,372 22 

Net or Invested Assets. 

Loans on mortgages, ........ $10,350 00 

Loans secured by pledge of bonds, stocks, etc., . . . 12,000 00 

Cost value of bonds and stocks owned, 185,845 00 

Cash in bank, 84,177 22 



Total net or invested assets, ...... $292,372 22 

Non-invested Assets. 

Interest accrued, ...... $8,679 26 

Market value of bonds and stocks over cost, . 9,234 25 

Total non-invested assets, .... 17,913 51 



Gross assets, $310,285 73 

Contingent Mortuary Assets (or Resources). 
Assessment due and unpaid, . $15,943 10 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (23), . . $55,000 00 
reported, not in process (45), . . 100,000 00 
resisted (24), ...... 68,000 00 

Total contingent mortuary liabilities, . $223,000 00 



In force January 1, . 
Written during the year, . 

Total, .... 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, . 
Claims incurred during the year 

Total, .... 
Claims paid during the year, 



Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

32,922 $70,759,000 00 565 $1,028,000 00 
6,934 12,709,000 00 129 199,000 00 



39,856 $83,468,000 00 694 $1,227,000 00 
3,485 7,198,000 00 39 67,000 00 



36,371 $76,270,000 00 655 $1,160,000 00 

69 $162,000 00 3 $7,000 00 
418 901,000 00 9 17,000 00 



487 $1,063,000 00 12 $24,000 00 
395 840,000 00 10 18,000 00 



Claims unpaid December 31, . 92 $223,000 00 2 $6,000 00 



THE LOYAL ADDITIONAL BENEFIT ASSOCIATION. 333 



"THE LOYAL ADDITIONAL BENEFIT ASSOCIATION," JERSEY 

CITY, N. J. 

[Incorporated Nov. 29, 1889. Commenced business Nov. 29, 1889.] 

Wm. A. Tompkins, President. Frank S. Petter, Secretary. 

Income during 1894. 

For membership fees, $ 1,208 00 

per capita tax, , 1,706 25 

assessments, mortuary, 24,907 02 

From all other sources, ........ 936 59 

Total income, . $28,757 86 

Balance on hand Dec. 31, 1893, ...... 213 11 

Total, $28,970 97 

Disbursements during 1894. 
For losses and claims, . . . . $20,000 00 
salaries of officers and employees, . . 2,177 79 
incidental expenses, ..... 1,589 14 
Total disbursements, . — 23,766 93 

Balance, .......... $5,204 04 

Net or Invested Assets. 
Cash in office, .......... $5,204 04 

Non-invested Assets. 

Market value of bonds and stocks over cost, , 1,675 79 

Gross assets, $6,879 83 

Contingent Mortuary Liabilities. 
Losses reported, not in process (2), . . . . . , $4,000 00 

Total Business of 1894. 

Number. Amount. 

In force January 1, 1,807 $3,597,000 00 

Written during the year, . 1,155 2,293,000 00 

Total, 2,962 $5,890,000 00 

Ceased during the year, ....... 49 98,000 00 

In force December 31, ... . . . 2,913 $5,792,000 00 



334 THE MASONIC EQUITABLE ACCIDENT ASSOCIATION. 

Number. Amount. 

Claims unpaid January 1, ..... 2 $4,000 00 

Claims incurred during the year, .... 10 20,000 00 



Total, 12 $24,000 00 

Claims paid during the year, 10 20,000 00 



Claims unpaid December 31, 2 $4,000 00 



THE MASONIC EQUITABLE ACCIDENT ASSOCIATION, 

BOSTON, MASS. 

[Incorporated Dec. 11, 1891. Commenced business Jan. 1, 1892.] 

Albert C. Smith, President. C. S. Perry, Secretary. 

Office, 131 Devonshire Street. 

Income during 1894. 

For membership fees, . m . < . - f 14,090 00 

assessments, mortuary, $42,271.71 ; expense, $20,966, . 63,237 71 

interest, . . . . . . 49 25 

From all other sources, . . . . . . . 81 50 



Total income, . . . _ . ... . , . , . $77,458 46 
Balance on hand Dec. 31, 1893, 6,805 40 



Total, . $84,263 86 



Disbursements during 1894. 



For losses and claims, . . 
preliminary organization, . 
salaries of officers and emplo}-ees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 
legal expenses, ..... 
incidental expenses, . . . . 
Total disbursements, .... 



$36,986 86 

18,567 26 

11,147 83 

1,057 50 

2,209 97 

326 64 

1,308 79 



71,604 85 



Balance, $12,659 01 

Net or Invested Assets. 

Cash in office, . . . . . . . , . . . . . $5,078 33 

Cash in bank, . . , . , . r . 7,580 68 



Total net or invested assets, , . . . . . . $12,659 01 



MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 335 

Liabilities. 
Losses adjusted, due and unpaid, ...... $4,234 25 



Balance, net assets, . ( . $8,424 76 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $4,234 25 

Assessment not } 7 et called for losses unadjusted, 697 51 

Net amount due from members, . . $4,931 76 



Contingent Mortuary Liabilities, 

Losses in process of adjustment (11), . . . . $697 51 



Total Business op 1894. 

« » " » Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . . 5,161 $21,468,750 00 3,178 f 13,590,250 00 
Written during the year, . .2,818 11,831,500 00 1,022 4,454,750 00 



Total, . . . . . . 7,979 $33,300,250 00 4,200 $18,045,000 00 

Ceased during the year, . .1,778 6,943,750 00 743 2,518,750 00 



In force December 31, . . 6,201 $26,356,500 00 3,457 f 15,526,250 00 

Claims unpaid January 1, . - 6 $610 00 

Claims incurred during the year, 502 $41,918 00 190 13,866 00 



Total, ...,.....- - 196 $14,476 00 

Claims paid during the year, . 439 $36,986 00 174 13,135 00 



Claims unpaid December 31, . 63 $4,932 00 22 $1,341 00 



MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 

WESTFIELD, MASS. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provin, President. James A. Lakin, Secretary. 

Income during 1894. 

For membership fees, . $16,590 00 

For annual dues, . . 37,764 50 



336 MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 

For assessments, $72,460 50 

For interest, 749 08 

Total income, $127,564 08 

Balance on hand Dec. 31, 1893, 29,776 22 

Total, $157,340 30 



Disbursements during 1894. 
For losses and claims, $75,023 59 



preliminary organization, . 

salaries of officers and employees, . 

medical examiners' fees, . 
Borrowed money repaid, , 

For incidental expenses, . 

Total disbursements, .... 



28,219 32 

14,636 74 

827 33 

5,000 00 

11,230 38 

134,937 36 



Balance, $22,402 94 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $2,580 00 

Cash in office, 2,415 77 

Cash in bank, 17,407 17 



Total net or invested assets, $22,402 94 



Non-invested Assets. 

Furniture and fixtures, $2,424 24 

Market value of bonds and stocks over cost, .... 12400 



Gross assets, $22,526 94 



Liabilities. 

Advance assessments, ..... $ 1,336 50 

All other (not including contingent mortuary), 498 74 

Total actual liabilities, .... • 1,835 24 



Balance, net assets, $20,691 70 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $16,495 50 

due and unpaid, .... 6,011 50 

not yet called for losses unadjusted, 2,750 00 

Net amount due from members, . . — — — $25,257 00 



THE NATIONAL PROVIDENT UNION. 



337 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (5), . . $2,750 00 

Losses resisted (2), 10,000 00 

Total contingent mortuary liabilities, . 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 



Total Business of 1894. 

Mass. 
Number. Amount. Number. 

. 11,032 $47,071,540 00 1,947 
. 3,318 14,632,380 00 76 



14,350 $61,703,920 00 2,023 
4,333 19,108,530 00 586 



$12,750 00 



Business. 
Amount. 

$8,291,880 00 
335,160 00 

$8,627,040 00 
2,584,260 00 



10,017 $42,595,390 00 1,437 $6,042,780 00 



$23,000 00 



Claims incurred during the year, 787 64,773 00 72 



Total, ..... 792 $87,773 00 
Claims paid during the year, . 785 75,023 00 72 



$7,363 00 



$7,363 00 



Claims unpaid December 31, . 



$12,750 00 



•'THE NATIONAL PROVIDENT UNION," NEW YORK, N. Y. 

[Reincorporated Sept. 1, 1893. Commenced business March, 1883.] 

William H. McCabe, President. William J. Gorsuch, Secretary. 



Income during 1894. 



For per capita tax, . 
For assessments, mor 
All other, . 

Total income, 
Balance on hand Dec 

Total, . 



tuary, 



31, 1893, 



Disbursements during 1894. 



For losses and claims, 

organizing, .... 

salaries of officers and employees, 
incidental expenses, . 
Total disbursements, . 



$150,000 00 
3,837 37 
3,019 89 
6,273 02 



$12,670 00 

149,699 95 

900 58 



463,270 53 
4,896 82 



,167 35 



163,130 28 



Balance, 



$5,037 07 



338 



THE NATIONAL PROVIDENT UNION. 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, 



$52 27 
4,984 80 

^5,037 07 



Non-invested Assets. 



Bills receivable, 
Supplies and furniture, 

Total non-invested assets, . 



$3,499 00 
1,200 00 



$4,699 00 



Liabilities. 

Salaries and office expenses due and accrued, 

Borrowed money, 

Total actual liabilities, .... 

Balance, net assets, 



$550 49 
1,110 00 



1,660 49 
^3,376 58 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $24,000 00 
Assessment due and unpaid, . . . . 2,000 00 

Net amount due from members, . . $26,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (6), . . . $10,000 00 

Losses reported, not in process (5), . . . 10,500 00 

Total contingent mortuary liabilities, . 



$20,500 00 



Total Business of 1894 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Claims unpaid January 1, 
Claims incurred during the year, 

Total, 

Claims paid during the year, . 

Claims unpaid December 31, . 



Number. 

, 6,254 
681 


Amount. 

$12,375,000 00 
920,000 00 


. 6,935 
. . . . 1,035 


$13,295,000 00 
1,664,000 00 


. 5,900 

....... 30 

56 


$11,631,000 00 

*$62,000 00 
108,500 00 


. ■ . . 86 

75 


$170,500 00 
150,000 00 


11 


$20,500 00 



* Saved by compromise, $1,000. 



NEW ENGLAND ORDER OF PROTECTION. 339 



NEW ENGLAND ORDER OF PROTECTION, BOSTON. 

[Incorporated Nov. 12, 1887. Commenced business Nov. 17, 1887.] 

Geo. H. Howard,* President. Daniel M. Frye, Secretary. 

Ice, 43 Milk Street. 



Income during 1894. 

For membership fees, $12,342 50 

annual dues, 9,007 70 

assessments, mortuary, 202,435 12 

medical examiners' fees paid by applicant, . . . 4,549 50 

interest, $137.18 ; rents, $100, 237 18 

From all other sources, . . . . . . . 769 00 

Total income, $229,341 00 

Balance on hand Dec. 31, 1893, . . . . . . . 5,098 77 

Total, $234,439 77 



Disbursements during 1894. 



For losses and claims, 

organizing, .... 

salaries of officers and employees, 
medical examiners 1 fees, . 
incidental expenses, . 
Total disbursements, . 



$192,000 00 

2,911 98 

5,278 42 

4,549 50 

11,549 40 



216,289 30 



Balance, $18,150 47 

Net or Invested Assets. 
Cash in bank, . $18,150 47 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (1), . . $2,000 00 

Losses resisted (1), 3,000 00 

Total contingent mortuary liabilities, . — $5,000 00 

* Elected May 14, 1895. 



340 



ODD FELLOWS* ACCIDENT COMPANY. 



Total Business of 1894. 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, . 2 

Claims incurred during the year, 110 



Number. Amount. 

. 13,652 $25,808,000 00 
. 2,704 5,043,000 00 



16,356 $30,851,000 00 
588 1,040,000 00 



Mass. Business. 
Number. Amount. 

6,770 |13,520,000 00 
1,122 2,250,000 00 

7,892 |15,770,000 00 
250 485,000 00 



.15,768 $29,811,000 00 7,642 $15,285,000 00 



Total, .... 
Claims paid during the year, 

Claims unpaid December 31, 



$5,000 00 
192,000 00 



112 $197,000 00 
110 192,000 00 



$5,000 00 



1 $3,000 00 
55 102,000 00 



56 $105,000 00 
55 102,000 00 



$3,000 00 



ODD FELLOWS 1 ACCIDENT COMPANY, BOSTON. 

[Incorporated Aug. 17, 1892. Commenced business Aug. 18, 1892.] 

John J. Whipple, President. Jay B. Crawford, Secretary. 

Office, 131 Devonshire Street. 



Income during 1894. 



For membership fees, 
annual dues, 

assessments, 

Total income, 
Balance on hand Dec 

Total, . 



31, 1893, 



Disbursements during 1894. 



For losses and claims, 

preliminary organization, . 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, . 



Balance, 



Cash in office, 
Cash in bank, 



,652 55 

16,990 15 

13,130 79 

93 83 

3,445 85 



Net or Invested Assets. 



$16,070 00 
20,642 25 
34,872 75 

$71,585 00 
7,563 88 

$79,148 88 



Total net or invested assets, 



70,313 17 
$8,835 71 



$3,051 63 
5,784 08 

$8,835 71 



UNITED ORDER OF THE PILGRIM FATHERS. 341 



Liabilities. 
Advance assessments, $ 149 75 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $1,627 50 

due and unpaid, . . . . 110 25 

reported, 10,942 75 

Total due from members, .... $12,680 50 

Contingent Mortuary Liabilities. 

Losses resisted (1), . .' . $2,500 00 

Total Business of 1894. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . .5,940 f 17,329,450 00 3,085 $8,210,750 00 
Written during the year, . .3,214 10,210,400 00 638 2,019,000 00 



Total, 9,154 $27,539,850 00 3,723 f 10,229,750 00 

Ceased during the year, . .2,901 8,943,550 00 1,786 2,935,250 00 



In force December 31, . . 6,253 $18,596,300 00 1,937 $7,294,500 00 

Claims incurred during the year, 492 $39,152 00 163 f 13,475 00 
Claims paid during the year, . 491 36,652 00 163 13,475 00 



Claims unpaid December 31, . 1 $2,500 00 



UNITED ORDER OF THE PILGRIM FATHERS, LAWRENCE, 

MASS. 

[Incorporated March 15, 1879. Commenced business March 15, 1879.] 

John L. Bates, President. James E. Shepard, Secretary. 

Income during 1894. 

For per capita tax, $12,917 95 

assessments, mortuary, 273,948 00 

interest, ....... . 570 79 

All other, 2,392 19 



Total income, .... ... $289,828 93 

Balance on hand Dec. 31, 1893, 15,23134 



Total, . . . , $305,060 27 



342 



UNITED ORDER OF THE PILGRIM FATHERS. 



Disbursements during 1894. 



For losses and claims, 

salaries of officers and employees, 
incidental expenses, . 
Total disbursements, . 



Balance, 



$274,945 00 
6,521 28 
9,785 64 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in bank, ........ 

Total net or invested assets, .... 

Non-invested Assets. 
Market value of bonds and stocks over cost, . 

Gross assets, 

Liabilities. 
Losses adjusted, due and unpaid (4), 

Balance, net assets, 



$291,251 92 
$13,808 35 



$3,000 00 
10,808 35 

|13,808 35 



360 00 
$14,168 35 

7,000 00 
$7,168 35 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . f 19,000 00 

not yet called for losses unadjusted, 25,000 00 

resisted, 1,000 00 

Total due from members, . . . . $ 45,000 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (12), . . . $19,000 00 

in process of adjustment (14), . . 25,000 00 

resisted (1), 1,000 00 

Total contingent mortuary liabilities, . $45,000 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Claims unpaid January 1, 
Claims incurred during the year 

Total, . 
Claims paid during the year, 

Claims unpaid December 31, 



Total Business of 1894.. 

Mass. Business. 
Number. Amount. Number. Amount. 

16,948 |28,787,000 00 12,668 f 21,403,000 00 
2,063 3,087,000 00 1,435 2,404,000 00 



19,011 $31,874,000 0014,103 $23,807,000 00 
673 30,725,000 00 502 853,000 00 



18,338 $1,149,000 00 13,601 $22,954,000 00 



39 

150 



$67,000 00 
260,000 00 



22 

114 



$38,000 00 
204,000 00 



189 

158 



$327,000 00 136 
275,000 00 109 



$242,000 00 
195,000 00 



$52,000 00 27 $47,000 00 



PKOVIDENT MUTUAL RELIEF ASSOCIATION. 343 



"PROVIDENT MUTUAL RELIEF ASSOCIATION," CONCORD, N. H. 

[Incorporated July 26, 1878. Commenced business Feb. 2, 1877.] 

Benjamin F. Prescott, President. Anthony C. Hardy, Secretary. 

Income during 1894. 
For membership fees, ....... 

annual dues, ........ 

assessments, 

medical examiner's fees paid by applicant, 
All other, 



$630 


00 


5,915 


32 


74,215 


37 


126 


00 


233 


46 


$81,120 


15 


4,320 


46 



Total income, .... 
Balance on hand Dec. 31, 1893, 

Total, $85,440 61 

Disbursements during 1894. 

For losses and claims, 

preliminary organization, „ 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, . 

Balance, . . . . . . . $2,537 30 

Net or Invested Assets. 

Cash in office, . . $1,095 43 

Cash in bank, 1,441 87 



$76,022 87 




3,717 66 




2,038 16 




187 00 




937 62 




-. — 


82,903 31 



Total net or invested assets, $2,537 30 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $7,800 00 

due and unpaid, .... 389 79 

resisted, $1,000; reported, $1,000, . 2,000 00 

Total due from members, .... $10,189 79 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (1), . . . . $1,000 00 

reported, not in process (2),. . . 4,000 00 

resisted (1), 1,000 00 

Total contingent mortuary liabilities, , — $6,000 00 



344 



RIDGELY PROTECTIVE ASSOCIATION. 



Total B 

Id force January 1, . 
Written during the year, . 


USINESS 
Number. 

. 2,982 
. 126 

. 3,108 
. 175 

. 2,933 

5 

. 38 

. 43 

. 39 


of 1894. 

Amount. 1 

$5,413,000 00 
163,000 00 


Mass 
lumber 

170 
6 

176 

8 

168 
6 
6 


Business. 
Amount. 

$340,000 00 
12,000 00 


Total, ..... 
Ceased during the year, . 


$5,576,000 00 
200,000 00 


$352,000 00 
16,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 


$5,376,000 00 

$10,000 00 
72,022 00 


$336,000 00 
$12,329 00 


Total, 

Claims paid during the year, . 


$82,022 00 
76,022 00 


$12,329 00 


Claims unpaid December 31, . 


4 


$6,000 00 


- 



RIDGELY PROTECTIVE ASSOCIATION, WORCESTER, MASS. 

[Incorporated May 10, 1894. Commenced business May 14, 1894.] 

Francis A. Harrington, President. James E. Farwell, Secretary. 

Income during 1894. 



For membership fees, 
annual dues, 
assessments, mortuary, 
borrowed money, 



Total income, 



Disbursements during 1894. 



For losses and claims, .... 
salaries and commissions to organizers, 
salaries of officers and employees, . 
incidental expenses, .... 
Total disbursements, .... 



Balance, 
Cash in bank, 
Borrowed money, 



$1,973 57 

15,880 95 

' 270 50 

1,021 50 



Net or Invested Assets. 



Liabilities. 



Contingent Mortuary Assets (or Resources), 

Assessment called and not yet due, . . . $6,525 75 

Deduct estimated cost of collection, . . . 250 00 

Net amount due from members, . . . 



$15,750 00 

1,219 00 

3,470 50 

250 00 

$20,689 50 



19,146 52 

$1,542 98 

$1,542 98 
$250 00 



1,275 75 



ROYAL ARCANUM. 



345 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (13), disability, $510 00 

Losses reported, not in process (4), disability, 240 00 

Total contingent mortuary liabilities, . ■ 

Total Business for 1891 (all in Massachusetts) 



1750 00 



Written during the year, 
Ceased during the year, . 

In force December 31, . 

Claims incurred, during the year 
Claims paid during the year, . 



Number. Amount. 

3,150 $403,000 00 
403 51,900 00 



40 
40 



2,747 $351,100 00 



$1,873 00 
1,873 00 



ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

Chill W. Hazzard, President. W. O. Robson, Secretary. 

Income during 1894. 



For membership fees, 

per capita tax, . 

assessments, mortuary, 

interest and rents, 
All other, 

Total income, 
Balance on hand Dec. 31, 1893, 

Total, 

Disbursements during 1894. 

For losses and claims, $3,959,599 98 

preliminary organization, .... 8,672 66 

salaries of officers and emj)loyees, . . 56,615 84 

incidental expenses, 27,118 84 

Total disbursements, 



$34,837 50 

49,804 68 

4,190,029 75 

12,703 71 

10,409 10 

54,297,784 74 
311,191 43 

^,608,976 17 



4,052,007 32 



Balance, . . . . . . . . ■ . $556,968 85 

Net or Invested Assets. 



Cost of real estate, .... 
Cost value of bonds and stocks owned, 
Cash in bank, 



Total net or invested assets, 
Less depreciation, 

Total net or invested assets, 



$59,170 97 

10,000 00 

487,797 88 

$556,968 85 
8,000 00 

$548,968 85 



346 ROYAL ARCANUM. 



Non-invested Assets. 

Interest due and accrued, 

Rents due, 

Market value of bonds and stocks over cost, . 

Office furniture, etc., . . . $8,22c> 81 

Total non-invested assets, .... 

Gross assets, . $551,620 09 

Liabilities. 

Losses adjusted, due and unpaid, . . . $56,542 87 
All other (not including contingent mortuary), 583 56 

Total actual liabilities, .... 57,126 43 



$1,701 24 




50 00 




900 00 




— 


$2,651 24 



Balance, net assets, $494,493 66 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $269,847 99 
Assessment due and unpaid, .... 2,483 73 

Net amount due from members, . . $272,331 72 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (20), . . $59,357 15 

reported, not in process (72), . . 216,000 00 

resisted (10), 28,500 00 

Total contingent mortuary liabilities, . $303,857 15 



Total Business of 1894. 

Mass. Business. 



Number. Amount. Number. Amount. 

148,426 f 432,748,500 00 15,107 $44,242,500 00 
16,975 47,983,500 00 1,120 3,244,500 00 



165,401 $480,732,000 00 16,227 $47,487,000 00 
6,094 17,668,500 00 583 1,743,500 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 
Claims incurred during the 
year, 

Total, .... 1,480 $4,318,500 00 161 $468,000 00 
Claims paid during the year, 1,360 3,967,099 00 153 445,500 00 



159,307 $463,063,500 00 15,644 $45,743,500 00 

136 $399,000 00 12 $36,000 00 

1,344 3,919,500 00 149 432,000 00 



Claims unpaid December 31, 120 $351,40100 8 $22,500 00 



ORDER OF SCOTTISH CLANS. 347 



"ORDER OF SCOTTISH CLANS," ST. LOUIS, MO. 

[Incorporated July 5, 1881. Commenced business Nov. 30, 1878.] 

Walter Scott, Jr., President Peter Kerr, Secretary. 

Principal Office, 587 Broadway, South Boston. 

Income during 1894. 

For assessments, mortuary, $64,843.37 ; expense, $4,500.00, . f 69,343